Deposit Rates

Rates effective October 24th, 2014

APY = Annual Percentage Yield

Savings Accounts

Family Savings AccountInterest RateAPY
Up to $49,9990.25%0.25%
$50,000 - $249,9990.40%0.40%
$250,000 and up0.55%0.55%
Personal & Business Basic Savings Interest RateAPY
 0.20%0.20%
Bank on Seattle (BOS) SavingsInterest RateAPY
 0.20%0.20%
College Savings (all balances)Interest RateAPY
 0.20%0.20%
Student Savings (all balances) Interest RateAPY
 0.20%0.20%

Tiered Rate MMA

 Interest RateAPY
Up to $4,9990.10%0.10%
$5,000 - $9,9990.10%0.10%
$10,000 - $24,9990.10%0.10%
$25,000 - $99,9990.20%0.20%
$100,000 - $499,9990.25%0.25%
$500,000 - $999,9990.30%0.30%
$1,000,000 - $2,499,9990.35%0.35%
$2,500,000 and up0.35%0.35%

Premier Checking & Business Interest Checking

Interest RateAPY
Up to $4,9990.05%0.05%
$5,000 - $9,9990.05%0.05%
$10,000 - $24,9990.10%0.10%
$25,000 - $99,9990.10%0.10%
$100,000 - $499,9990.20%0.20%
$500,000 - $999,9990.30%0.30%
$1,000,000 - $4,999,9990.30%0.30%
$5,000,000 and up0.30%0.30%

Checking Accounts

Checking AccountsInterest RateAPY
50+ Checking0.05%0.05%
IOLTA & IRETA0.05%0.05%

Certificates of Deposit and Individual Retirement Accounts

TermInterest RateAPY*
3 month0.05%0.05%
6 month0.10%0.10%
9 month0.20%0.20%
12 month0.60%0.60%
18 month Flex Rate0.25%0.25%
24 month1.04%1.05%
36 month1.19%1.20%
48 month1.34%1.35%
60 month1.73%1.75%

Business Analysis Checking

Business Analysis Checking AccountsEarnings Credit Rate
Up to $49,9990.15%
$50.000 - $99,9990.20%
$100,000 - $499,9990.30%
$500,000 - $999,9990.35%
$1,000,000 - $4,999,9990.35%
$5,000,000 and up0.35%

Family Savings Account: No monthly minimum balance requirement or service fee.The interest rate and Annual Percentage Yield (APY) quoted for all tiers are variable and subject to change without notice at any time. Interest compounds monthly and paid monthly. The amount of interest earned is based on the combined average daily balance of each money market, checking, savings and CD accounts opened by participating family members (spouse, father, mother, son, daughter, grandparent, grandchild, aunt, uncle, cousin, in-laws, or other members of a family unit or household). Minimum opening deposit $100.

Business and Personal Basic Savings Account: Minimum opening deposit $100 ($50 for BOS, $10 for Student Savings). Personal Basic Savings: $100 minimum daily balance required to avoid $5 quarterly service fee. Business Basic Savings: $300 minimum monthly average balance to avoid $5 monthly fee. BOS and Student: No monthly minimum balance requirement or service fee.

Basic, College, Student & BOS Savings: Interest compounds daily and paid quarterly. Business Basic Savings: Interest compounds daily and pays monthly. College & Student Savings Tier: Interest compounds quarterly & paid quarterly. Interest rate & APY quoted for all savings accounts and tiers are variable and subject to change without notice at any time. Basic Savings & Tiered Rate MMA: Fees may reduce actual earnings on the account.

Tiered Rate Money Market: Interest compounds daily and paid monthly. Interest rate and APY quoted for all tiers are variable and subject to change without notice at any time. Personal MMA: $1,000 minimum opening deposit and $1,000 minimum daily balance required to avoid $5 monthly service fee. Business MMA: $1,000 minimum opening deposit and $1,000 minimum average balance required to avoid $10 monthly service fee.

All Savings & MMA accounts: Regulation D allows a maximum of 6 withdrawals or transfers per month, including checks and automated debits. There is no limit on ATM or in-branch withdrawals.

50+ Checking, IOLTA, IRETA, Premier and Business Interest Checking Accounts: The rates quoted are variable and subject to change without notice. Interest is compounded daily and paid monthly. Fees may reduce actual earnings on the account. Minimum opening deposit is $100 on all checking accounts. Refer to account disclosures for additional terms and conditions. Personal Premier Checking: $1,000 minimum daily balance required to avoid $10 monthly service fee. Business Interest Checking: $5,000 minimum average monthly balance required to avoid $15 monthly service fee.

Business Analysis Checking: The Earnings Credit Rate (ECR) is an earnings allowance or credit that is applied to business account deposit balances to offset monthly service charge expense.

Certificates of Deposit and Individual Retirement Accounts: Interest is compounded daily and credited to the account quarterly on Certificates of Deposit accounts. The Annual Percentage Yield (APY) calculated assumes interest remains on deposit until maturity. Flex Rate CDs allow one rate increase per term to current posted rates. An early withdrawal penalty may be imposed if funds are withdrawn prior to maturity. Refer to account disclosures for additional terms and conditions. $1,000 minimum opening deposit; $300 for a minor (less than 18 years of age); $500 minimum opening deposit on IRAs.