Rates are current as of 08/01/2014. Rates are subject to change.

CDs

Certificate TypeTerm (Months)Min. Opening DepositInterest RateAPY*
Bear at the Bank CD - Children's Ad-On12$100.000.20%0.20%
1-Month1$500.000.03%0.03%
1-Month (Over $100,000)1$100,000.000.05%0.05%
3-Month3$500.000.10%0.10%
3-Month (Over $100,000)3$100,000.000.15%0.15%
6-Month6$500.000.15%0.15%
6-Month (Over $100,000)6$100,000.000.20%0.20%
9-Month9$500.000.15%0.15%
9-Month (Over $100,000)9$100,000.000.20%0.20%
12-Month and 12-Month Add-On12$500.000.20%0.20%
12-Month (Over $100,000)12$100,000.000.25%0.25%
15-Month 15$500.000.20%0.20%
15-Month (Over $100,000)15$100,000.000.25%0.25%
18-Month18$500.000.25%0.25%
18-Month (Over $100,000)18$100,000.000.27%0.27%
24-Month24$500.000.30%0.30%
24-Month (Over $100,000)24$100,000.000.35%0.35%
30-Month30$500.000.35%0.35%
30-Month (Over $100,000)30$100,000.000.40%0.40%
36-Month36$500.000.60%0.60%
36-Month (Over $100,000)36$100,000.000.65%0.65%
36-Month BUMP36$500.000.50%0.50%
36-Month BUMP (Over $100,000)36$100,000.000.55%0.55%
48-Month48$500.000.75%0.75%
48-Month (Over $100,000)48$100,000.000.85%0.85%
60-Month60$500.001.00%1.00%
60-Month (Over $100,000)60$100,000.001.09%1.10%

APY = Annual Percentage Yield. There may be a penalty for early withdrawal.

12-Month Add-On = Allows additional deposits during term of CD.

36-Month Bump = At your discretion, you may change the interest rate on the account once during the term of the certificate. The rate will be changed to reflect current 36 month "Bump CD" rate.