Personal Rates

Pacific Checking Rate Rewards
Account Type	Minimum Opening Deposit	Minimum Daily Balance to Earn APY^*	Interest Rate	APY^*
Rates are current as of today’s date. Rates are subject to change. * APY means annual percentage yield. Rate may change after account is opened. Fees could reduce earnings. ** Pacific Checking Rate Rewards Account – Rewards rate available when three easy steps are met: 1) Have at least 12 debit card purchases post and settle per monthly qualification cycle (excluding ATM processed transactions), 2) Have at least one automatic payment or direct deposit post and settle per monthly qualification cycle, and 3) Receive your account statement electronically (e-statements). + Blended yield may range from 0.25% to 0.05% APY. N/A means not applicable.
Account Type Pacific Checking Rate Rewards $20,000 and under^**	Minimum Opening Deposit $100.00	Minimum Daily Balance to Earn APY^* N/A	Interest Rate 0.25%	APY^* 0.25%
Account Type Pacific Checking Rate Rewards over $20,000.01^**+ (see yield range below)	Minimum Opening Deposit $100.00	Minimum Daily Balance to Earn APY^* $20,000.01	Interest Rate 0.05%	APY^* 0.05%
Account Type Pacific Checking Rate Rewards when requirements are not met^**	Minimum Opening Deposit $100.00	Minimum Daily Balance to Earn APY^* N/A	Interest Rate 0.02%	APY^* 0.02%

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Pacific Premier Checking
Account Type	Minimum Opening Deposit	Minimum Daily Balance to Earn APY^*	Interest Rate	APY^*
Rates are current as of today’s date. Rates are subject to change. *APY means annual percentage yield. Rate may change after the account is opened. Fees could reduce earnings. + Blended yield may range from 0.25% to 0.05% APY N/A means not applicable.
Account Type Pacific Premier Checking Balances Through $49,999.99	Minimum Opening Deposit $1,000.00	Minimum Daily Balance to Earn APY^* N/A	Interest Rate 0.04%	APY^* 0.04%
Account Type Pacific Premier Checking Balances $50,000.00 – $99,999.99	Minimum Opening Deposit $1,000.00	Minimum Daily Balance to Earn APY^* $50,000.00	Interest Rate 0.05%	APY^* 0.05%
Account Type Pacific Premier Checking Balances $100,000.00 – $249,999.99	Minimum Opening Deposit $1,000.00	Minimum Daily Balance to Earn APY^* $100,000.00	Interest Rate 0.06%	APY^* 0.06%
Account Type Pacific Premier Checking Balances over $249,999.99	Minimum Opening Deposit $1,000.00	Minimum Daily Balance to Earn APY^* $250,000.00	Interest Rate 0.09%	APY^* 0.09%

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Essential Savings Account
Minimum Opening Deposit	Minimum Daily Balance to Earn APY*	Interest Rate**	APY*
Rates are current as of today’s date. Rates are subject to change. APY means annual percentage yield. *Interest rate and Annual Percentage Yield may change at Bank’s discretion. If you close your account before interest is credited, you will not receive the accrued interest. An early account closure fee of $50 will be charged if the account closes within 90 days of opening. Rate may change after the account is opened. Fees could reduce earnings. $25 minimum opening deposit. Interest compounded daily and credited quarterly. $300 minimum daily balance to obtain disclosed annual percentage yield. $9 quarterly service fee if minimum daily balance falls below $300 during the statement cycle. Statement cycle means the current quarterly statement cycle, which is defined as from the first (1st) day of the quarter through the last day of the quarter. N/A means not applicable.
Minimum Opening Deposit $25.00	Minimum Daily Balance to Earn APY* $300.00	Interest Rate** 0.08%	APY* 0.08%

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Youth Savings
Minimum Opening Deposit	Minimum Daily Balance to Earn APY^*	Interest Rate	APY^*
Rates are current as of today’s date. Rates are subject to change. ^*APY means annual percentage yield. Rate may change after the account is opened. Fees could reduce earnings N/A means not applicable
Minimum Opening Deposit $25.00	Minimum Daily Balance to Earn APY^* N/A	Interest Rate 0.05%	APY^* 0.05%

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Health Savings Account (HSA)
Account Type	Minimum Daily Balance to Earn APY^*	Minimum Opening Deposit	Interest Rate	APY^*
Rates are current as of today’s date. Rates are subject to change. ^*APY means annual percentage yield. Rate may change after the account is opened. Fees could reduce earnings N/A means not applicable
Account Type Tier 1	Minimum Daily Balance to Earn APY^* $0.00 – $299.99	Minimum Opening Deposit $100.00	Interest Rate 0.00%	APY^* 0.00%
Account Type Tier 2	Minimum Daily Balance to Earn APY^* $300.00 – $2,499.99	Minimum Opening Deposit $100.00	Interest Rate 0.01%	APY^* 0.01%
Account Type Tier 3	Minimum Daily Balance to Earn APY^* $2,500.00 and up	Minimum Opening Deposit $100.00	Interest Rate 0.03%	APY^* 0.03%

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Personal Money Markets
Account Balance	Interest Rate	APY^*
Rates are current as of today’s date. Rate are subject to change. * APY means annual percentage yield. $1,000 minimum opening deposit for personal money market. Rate may change after the account is opened. Fees could reduce earnings. Please contact your local branch for current non-personal money market rates.
Account Balance $0 – $24,999	Interest Rate 0.15%	APY^* 0.15%
Account Balance $25,000 – $99,999	Interest Rate 0.50%	APY^* 0.50%
Account Balance $100,000 – $249,999	Interest Rate 1.55%	APY^* 1.56%
Account Balance $250,000 – $499,999	Interest Rate 1.95%	APY^* 1.97%
Account Balance $500,000 – $999,999	Interest Rate 2.20%	APY^* 2.22%
Account Balance $1,000,000 and up	Interest Rate 2.45%	APY^* 2.48%

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Short-Term Consumer Certificate of Deposit (Terms from 1 to 12 Months)
Minimum Opening Deposit	Term (Months)	Interest Rate	APY^*
Rates are current as of today’s date. Rates are subject to change. ^*APY means annual percentage yield. All rates and tiers for Checking, Savings, Money Market, CD and IRA products are as of the Effective Date and are subject to change. Minimum opening deposits apply on the following interest bearing accounts: $25 for all savings accounts; $100 for prime and interest checking; $1000 for Premier Checking and personal money market accounts; $500 for CDs and IRAs; $100 for Bear at the Bank CD. A penalty may be imposed for early withdrawal on CDs and IRAs.
Minimum Opening Deposit $500.00 – $24,999	Term (Months) 1 Month – 5 Months	Interest Rate 0.15%	APY^* 0.15%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 1 Month – 5 Months	Interest Rate 0.25%	APY^* 0.25%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 1 Month – 5 Months	Interest Rate 0.25%	APY^* 0.25%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 1 Month – 5 Months	Interest Rate 0.35%	APY^* 0.35%
Minimum Opening Deposit $250,000 +	Term (Months) 1 Month – 5 Months	Interest Rate 0.40%	APY^* 0.40%
Minimum Opening Deposit $500 – $24,999	Term (Months) 6 Months – 8 Months	Interest Rate 2.50%	APY^* 2.53%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 6 Months – 8 Months	Interest Rate 2.50%	APY^* 2.53%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 6 Months – 8 Months	Interest Rate 2.75%	APY^* 2.79%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 6 Months – 8 Months	Interest Rate 3.25%	APY^* 3.30%
Minimum Opening Deposit $250,000 +	Term (Months) 6 Months – 8 Months	Interest Rate 3.50%	APY^* 3.56%
Minimum Opening Deposit $500 – $24,999	Term (Months) 9 Months – 12 Months	Interest Rate 3.00%	APY^* 3.05%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 9 Months – 12 Months	Interest Rate 3.00%	APY^* 3.05%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 9 Months – 12 Months	Interest Rate 3.25%	APY^* 3.30%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 9 Months – 12 Months	Interest Rate 3.50%	APY^* 3.56%
Minimum Opening Deposit $250,000 +	Term (Months) 9 Months – 12 Months	Interest Rate 3.75%	APY^* 3.82%

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Mid-Term Consumer Certificate of Deposit (Terms from 12-35 months)
Minimum Opening Deposit	Term (Months)	Interest Rate	APY^*
Rates are current as of today’s date. Rates are subject to change. * APY means annual percentage yield. All rates and tiers for Checking, Savings, Money Market, CD and IRA products are as of the Effective Date and are subject to change. Minimum opening deposits apply on the following interest bearing accounts: $25 for all savings accounts; $100 for prime and interest checking; $1000 for Premier Checking and personal money market accounts; $500 for CDs and IRAs; $100 for Bear at the Bank CD. A penalty may be imposed for early withdrawal on CDs and IRAs.
Minimum Opening Deposit $500 – $24,999	Term (Months) 13 Months – 17 Months	Interest Rate 1.50%	APY^* 1.51%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 13 Months – 17 Months	Interest Rate 1.50%	APY^* 1.51%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 13 Months – 17 Months	Interest Rate 1.50%	APY^* 1.51%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 13 Months – 17 Months	Interest Rate 2.00%	APY^* 2.02%
Minimum Opening Deposit $250,000.00+	Term (Months) 13 Months – 17 Months	Interest Rate 2.00%	APY^* 2.02%
Minimum Opening Deposit $500 – $24,999	Term (Months) 18 Months – 23 Months	Interest Rate 1.25%	APY^* 1.26%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 18 Months – 23 Months	Interest Rate 1.25%	APY^* 1.26%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 18 Months – 23 Months	Interest Rate 1.50%	APY^* 1.51%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 18 Months – 23 Months	Interest Rate 1.75%	APY^* 1.77%
Minimum Opening Deposit $250,000.00+	Term (Months) 18 Months – 23 Months	Interest Rate 2.00%	APY^* 2.02%
Minimum Opening Deposit $500 – $24,999	Term (Months) 24 Months – 35 Months	Interest Rate 0.75%	APY^* 0.75%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 24 Months – 35 Months	Interest Rate 0.75%	APY^* 0.75%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 24 Months – 35 Months	Interest Rate 1.25%	APY^* 1.26%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 24 Months – 35 Months	Interest Rate 1.25%	APY^* 1.26%
Minimum Opening Deposit $250,000+	Term (Months) 24 Months – 35 Months	Interest Rate 1.50%	APY^* 1.51%

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Long-Term Consumer Certificate of Deposit (Terms from 35+ months)
Minimum Opening Deposit	Term (Months)	Interest Rate	APY^*
Rates are current as of today’s date. Rates are subject to change. * APY means annual percentage yield. All rates and tiers for Checking, Savings, Money Market, CD and IRA products are as of the Effective Date and are subject to change. Minimum opening deposits apply on the following interest bearing accounts: $25 for all savings accounts; $100 for prime and interest checking; $1000 for Premier Checking and personal money market accounts; $500 for CDs and IRAs; $100 for Bear at the Bank CD. A penalty may be imposed for early withdrawal on CDs and IRAs.
Minimum Opening Deposit $500 – $24,999	Term (Months) 36 Months – 47 Months	Interest Rate 0.75%	APY^* 0.75%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 36 Months – 47 Months	Interest Rate 0.75%	APY^* 0.75%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 36 Months – 47 Months	Interest Rate 1.25%	APY^* 1.26%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 36 Months – 47 Months	Interest Rate 1.25%	APY^* 1.26%
Minimum Opening Deposit $250,000+	Term (Months) 36 Months – 47 Months	Interest Rate 1.50%	APY^* 1.51%
Minimum Opening Deposit $500 – $24,999	Term (Months) 48 Months – 59 Months	Interest Rate 0.35%	APY^* 0.35%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 48 Months – 59 Months	Interest Rate 0.40%	APY^* 0.40%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 48 Months – 59 Months	Interest Rate 0.40%	APY^* 0.40%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 48 Months – 59 Months	Interest Rate 0.50%	APY^* 0.50%
Minimum Opening Deposit $250,000+	Term (Months) 48 Months – 59 Months	Interest Rate 0.55%	APY^* 0.55%
Minimum Opening Deposit $500 – $24,999	Term (Months) 60+ Months	Interest Rate 0.40%	APY^* 0.40%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 60+ Months	Interest Rate 0.45%	APY^* 0.45%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 60+ Months	Interest Rate 0.50%	APY^* 0.50%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 60+ Months	Interest Rate 0.60%	APY^* 0.60%
Minimum Opening Deposit $250,000+	Term (Months) 60+ Months	Interest Rate 0.60%	APY^* 0.60%

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Bear at the Bank CD – Children
Minimum Opening Deposit	Term (Months)	Interest Rate	APY^*
Rates are current as of today’s date. Rates are subject to change. ^*APY means annual percentage yield. All rates and tiers for Checking, Savings, Money Market, CD and IRA products are as of the Effective Date and are subject to change. Minimum opening deposits apply on the following interest bearing accounts: $25 for all savings accounts; $100 for prime and interest checking; $1000 for Premier Checking and personal money market accounts; $500 for CDs and IRAs; $100 for Bear at the Bank CD. A penalty may be imposed for early withdrawal on CDs and IRAs.
Minimum Opening Deposit $100 – $24,999	Term (Months) 12 Months	Interest Rate 0.50%	APY^* 0.50%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 12 Months	Interest Rate 0.50%	APY^* 0.50%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 12 Months	Interest Rate 0.50%	APY^* 0.50%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 12 Months	Interest Rate 0.55%	APY^* 0.55%
Minimum Opening Deposit $250,000+	Term (Months) 12 Months	Interest Rate 0.60%	APY^* 0.60%

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Rates are the same as rates listed in the CD rate section.

IRA Certificates
Minimum Opening Deposit	Term (Months)	Interest Rate	APY*
IRA CD Terms begin at 12 months. Rates are current as of today’s date. Rates are subject to change. * APY means annual percentage yield Minimum balance to open on fixed rate accounts is $500. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
Minimum Opening Deposit $500 – $24,999	Term (Months) 12 Months	Interest Rate 3.00%	APY* 3.05%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 12 Months	Interest Rate 3.00%	APY* 3.05%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 12 Months	Interest Rate 3.25%	APY* 3.30%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 12 Months	Interest Rate 3.50%	APY* 3.56%
Minimum Opening Deposit $250,000 +	Term (Months) 12 Months	Interest Rate 3.75%	APY* 3.82%
Minimum Opening Deposit $500 – $24,999	Term (Months) 13 Months – 17 Months	Interest Rate 1.50%	APY* 1.51%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 13 Months – 17 Months	Interest Rate 1.50%	APY* 1.51%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 13 Months – 17 Months	Interest Rate 1.50%	APY* 1.51%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 13 Months – 17 Months	Interest Rate 2.00%	APY* 2.02%
Minimum Opening Deposit $250,000.00+	Term (Months) 13 Months – 17 Months	Interest Rate 2.00%	APY* 2.02%
Minimum Opening Deposit $500 – $24,999	Term (Months) 18 Months – 23 Months	Interest Rate 1.25%	APY* 1.26%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 18 Months – 23 Months	Interest Rate 1.25%	APY* 1.26%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 18 Months – 23 Months	Interest Rate 1.50%	APY* 1.51%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 18 Months – 23 Months	Interest Rate 1.75%	APY* 1.77%
Minimum Opening Deposit $250,000.00+	Term (Months) 18 Months – 23 Months	Interest Rate 2.00%	APY* 2.02%
Minimum Opening Deposit $500 – $24,999	Term (Months) 24 Months – 35 Months	Interest Rate 0.75%	APY* 0.75%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 24 Months – 35 Months	Interest Rate 0.75%	APY* 0.75%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 24 Months – 35 Months	Interest Rate 1.25%	APY* 1.26%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 24 Months – 35 Months	Interest Rate 1.25%	APY* 1.26%
Minimum Opening Deposit $250,000+	Term (Months) 24 Months – 35 Months	Interest Rate 1.50%	APY* 1.51%
Minimum Opening Deposit $500 – $24,999	Term (Months) 36 Months – 47 Months	Interest Rate 0.75%	APY* 0.75%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 36 Months – 47 Months	Interest Rate 0.75%	APY* 0.75%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 36 Months – 47 Months	Interest Rate 1.25%	APY* 1.26%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 36 Months – 47 Months	Interest Rate 1.25%	APY* 1.26%
Minimum Opening Deposit $250,000+	Term (Months) 36 Months – 47 Months	Interest Rate 1.50%	APY* 1.51%
Minimum Opening Deposit $500 – $24,999	Term (Months) 48 Months – 59 Months	Interest Rate 0.35%	APY* 0.35%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 48 Months – 59 Months	Interest Rate 0.40%	APY* 0.40%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 48 Months – 59 Months	Interest Rate 0.40%	APY* 0.40%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 48 Months – 59 Months	Interest Rate 0.50%	APY* 0.50%
Minimum Opening Deposit $250,000+	Term (Months) 48 Months – 59 Months	Interest Rate 0.55%	APY* 0.55%
Minimum Opening Deposit $500 – $24,999	Term (Months) 60+ Months	Interest Rate 0.40%	APY* 0.40%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 60+ Months	Interest Rate 0.45%	APY* 0.45%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 60+ Months	Interest Rate 0.50%	APY* 0.50%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 60+ Months	Interest Rate 0.60%	APY* 0.60%
Minimum Opening Deposit $250,000+	Term (Months) 60+ Months	Interest Rate 0.60%	APY* 0.60%

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