Rates

APY = Annual Percentage Yield

Rates effective as of 06/30/2015.

Fees may reduce earnings.

Checking Rates

ProductRateYield
OneAdvantage 0.50% 0.50%
OneAdvantage for Business 0.50% 0.50%
NetVantage (Balances up to $75,000)/(Balances over $75,000) 0.75%/0.20% 0.75%/0.20%

All checking and savings rates are quoted as Annual Percentage Yields. Fees could reduce earnings on the account. Onebanc Now, Money Market and Saving accounts are variable rate accounts; rates may change at any time without notice.

Savings Rates

ProductRateYield
Onebanc Savings 0.10% 0.10%
First Step Savings 0.10% 0.10%
Onebanc Business Savings 0.10% 0.10%
Health Savings Account 0.10% 0.10%
Family Health Savings Account 0.10% 0.10%

All checking and savings rates are quoted as Annual Percentage Yields. Fees could reduce earnings on the account. Onebanc Now, Money Market and Saving accounts are variable rate accounts; rates may change at any time without notice.

Money Market Accounts

Amount RangeRateYield
$0.00 $4,999.99 0.25% 0.25%
$5,000.00 $24,999.99 0.35% 0.35%
$25,000.00 $49,999.99 0.45% 0.45%
$50,000.00 $74,999.99 0.50% 0.50%
$75,000.00 $99,999.99 0.60% 0.60%
$100,000.00 $249,999.99 0.70% 0.70%
$250,000.00 $499,999.99 0.75% 0.75%
$500,000.00 $999,999.99 0.80% 0.80%
$1,000,000.00 Above 0.85% 0.85%

All checking and savings rates are quoted as Annual Percentage Yields. Fees could reduce earnings on the account. Onebanc Now, Money Market and Saving accounts are variable rate accounts; rates may change at any time without notice.

Deposit Rates

Certificate of DepositRateJumbo Certificate of DepositRate
3 Month CD 0.10% 3 Month CD 0.10%
6 Month CD 0.20% 6 Month CD 0.20%
12 Month CD 0.30% 12 Month CD 0.30%
18 Month CD 0.35% 18 Month CD 0.35%
24 Month CD 0.45% 24 Month CD 0.45%
36 Month CD 0.65% 36 Month CD 0.65%
48 Month CD 0.70% 48 Month CD 0.70%
60 Month CD 0.75% 60 Month CD 0.75%

Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. All interest payments for the APY will be made at the end of the term or annually, whichever occurs first. Penalty will be imposed for early withdrawal. Fees could reduce earning on the account.

Offer good for the initial term only. CD is automatically renewed for the same term. The rate is determined based on the published rate for the CD, excluding CD Specials, that is closest to but not exceeding the term of the CD. Advertised rate and APY are offered at the bank's discretion and may change daily.

FDIC insured to the maximum allowed by law.

IRA

IRARATE/APYJUMBO IRARATE/APY
6 Month 0.25 6 Month 0.25
12 Month 0.35 12 Month 0.35
18 Month Variable 0.40 18 Month Variable 0.40
24 Month 0.55 24 Month 0.55
36 Month 0.65 36 Month 0.65
48 Month 0.70 48 Month 0.70
60 Month 0.75 60 Month 0.75

Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. All interest payments for the APY will be made at the end of the term or annually, whichever occurs first. Penalty will be imposed for early withdrawal. Fees could reduce earning on the account.

Offer good for the initial term only. CD is automatically renewed for the same term. The rate is determined based on the published rate for the CD, excluding CD Specials, that is closest to but not exceeding the term of the CD. Advertised rate and APY are offered at the bank's discretion and may change daily.

FDIC insured to the maximum allowed by law.

Auto Loans

Auto LoansRate

All Rates are APR WAC.

24 Months

(2007-2008)

4.75%-5.75%
36 Months

(2007-2008)

5.00%-6.25%
36 Months

(2009-2014)

4.25%-5.00%
60 Months

(2012)

4.50-5.25%
72 Months

(2013-2014)

4.75%-5.50%
Max 60 months

(2015-2017)

3.50%-4.50%
72 Months

(2015-2017)

3.755%-4.75%
84 Months

Luxury

4.50%-5.50%

Auto Loans & Other Non-Real Estate Installment Loans - Rates as low as 2.25% Annual Percentage Rate (APR) are available for 3-year auto loans at 100% loan-to-value (LTV) or less. Rates for loans to purchase a vehicle from a private party, longer terms, vehicles older than 3 model years, or higher LTV may be higher. Loan fees apply. Loan payment and APR will vary based on the loan amount, the term, and any fees. Loan payment example: a $20,000 automobile loan at a 2.25% Interest rate for 60 months with $100.00 in bank fees will have a 2.401% APR and a $352.76 monthly payment. Offer is subject to credit qualifications. Rates are subject to change. Some additional restrictions may apply. Installment loans are offered through One Bank & Trust National Association. Deposit products are offered by One Bank National Association, Member FDIC.

Not all loan programs are available for all loan amounts. Interest rate and program terms are subject to change without notice. Property insurance is required.