CD Amount $0-24,999		CD Amount $25,000 or more
Term	Interest Rate	APY	Interest Rate	APY
Three Months	1.75%	1.76%	2.00%	2.02%
Six Months	2.20%	2.21%	2.45%	2.47%
One Year	2.75%	2.77%	3.00%	3.02%
Three Years	2.85%	2.87%	3.10%	3.12%
Five Years	2.95%	2.97%	3.20%	3.23%
The daily balance method is used to calculate interest. This method applies a daily periodic rate of interest to the collected balance in your account each day. Interest begins to accrue on the date that your deposit becomes collected funds. There is no service charge, management fee, or commission on certificates of deposit. Our minimum deposit is $1,000.Your deposit will earn the rate stated on your certificate until maturity. Substantial penalties may apply for early withdrawal.

InvestorsCD Direct

Must be at least 18 years old and a citizen of the United States.

Accrued interest will be compounded and credited to your account semi-annually.  You may choose to withdraw interest from your certificate if you deposit the interest in another account at InvestorsBank.  Otherwise, we will add the interest to your certificate.

The annual percentage yield assumes interest will remain on deposit until maturity.   If you withdraw interest from your certificate, earnings on the certificate will be reduced.  If you add interest to the certificate on interest payment dates, you will earn the annual percentage yield.

You may choose to have your deposit automatically renew at maturity.  You will have a grace period of 10 days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.  

Prior to maturity, principal may be withdrawn subject to an early withdrawal penalty.  If the certificate of deposit has a maturity of one year or less, the penalty will be equal to three months of interest.  If the certificate of deposit has a maturity of more than one year, the penalty will be equal to six months interest. 

All accounts are subject to the "eDeposit Agreement" and "Supplement to Deposit Account Agreement"

InvestorsMoney pays you interest on the collected balance in your account at a rate at least equal to the Money Fund Report Average™ as published by iMoneyNet. The Money Fund Report Average™ is the average seven-day net simple taxable yield on all U. S. money market mutual funds. The daily balance method is used to calculate interest. This method applies a daily periodic rate of interest to the collected balance in your account each day. Interest begins to accrue on the date that your deposit becomes collected funds.

Total Daily Balance in Account	Interest Rate on Total Daily Balance in Account	Annual Percentage Yield
$0-24,999	1.15%	1.16%
$25,000 or more	1.40%	1.41%
Interest will be compounded and credited to your account monthly. There is a $1,000 minimum balance to open or maintain this account. On this account, there are no monthly maintenance fees or transaction fees. You will receive monthly statements. You can access information about your account or transfer funds to another account by telephone or by using InvestorsBank's Online Banking 24 hours a day or disburse funds directly from this account by check. The number of transfers and checks drawn on this account per month are limited by law. InvestorsBank reserves the right to limit deposits to $250,000 per account.

InvestorsMoney Direct

Must be at least 18 years old and a citizen of the United States.

You may make unlimited withdrawals from this account in person at InvestorsBank. However, you may make no more than six preauthorized withdrawals, telephone transfers and other withdrawals from your account per statement cycle which includes transfers made to your InvestorsChecking account to cover overdrafts, and no more than three of the transfers and withdrawals may be payments by check, draft, MasterMoney card or similar order to third parties. There is no charge if the balance in your account falls below $1,000, however, we will request that you increase the balance in your account to $1,000. InvestorsBank reserves the right to close low balance accounts and to require seven-day notice in writing prior to withdrawals. Your interest rate and annual percentage yield may change at any time. All accounts are subject to the "eDeposit Account Agreement" and "Supplement to Deposit Account Agreement".

Interest Rate: .78%
Annual Percentage Yield: .78%

InvestorsChecking pays you interest on the collected balance in your account at a rate equal to the Money Fund Report Averages™ as published by iMoneyNet. The Money Fund Report Averages™ is the average seven-day net simple taxable yield on all U.S. money market mutual funds. The Annual Percentage Yield shown above is the most recent yield published.The daily balance method is used to calculate interest. This method applies a daily periodic rate of interest to the collected balance in your account each day. Interest begins to accrue on the date that your deposit becomes collected funds. Interest will be compounded and credited to your account monthly. There is no minimum balance to open or maintain your account, and no per-check transaction fee and no Master Money Debit Card fees. You can access information about your account or transfer funds to another account by telephone or by using InvestorsBank's Online Banking 24 hours a day. The account maintenance fee for an InvestorsChecking account is $10.00 per month.

InvestorsChecking

At this time we are unable to offer checking accounts to our online customers. Visit InvestorsBank to open your account. Must be at least 18 years old and a citizen of the United States.

If you close your account before the statement date, you will be charged the monthly maintenance fee and any other fees that were incurred during the month. You will receive a monthly statement and we will safe keep your checks and deposit slips at no additional cost. Your interest rate and annual percentage yield may change at any time. All accounts are subject to the "eDeposit Account Agreement", and "Supplement to Deposit Account Agreement".