Rates

Rates Effective as of 11/15/2012.

OIB Reward Checking

Minimum to OpenTiered Balances (Daily Balance)Interest RateAPY*
$100.000 - $15,000.002.9657%3.01%
$15,000 +0.2497%0.2500%
If qualifications aren't met0.0500%0.0500%
  • Accounts are variable rate accounts and the rate may change after the account is opened.  
  • Fees may reduce the earnings on the account.  
  • *APY = Annual Percentage Yield.

Reward Plus Checking

Minimum to OpenTiered Balances (Daily Balance)Interest RateAPY*
$100.000 - $15,000 2.9657%3.01%
$15,000 +0.2497%0.2500%
If qualifications aren't met0.0500%0.0500%
  • Accounts are variable rate accounts and the rate may change after the account is opened.  
  • Fees may reduce the earnings on the account.  
  • *APY = Annual Percentage Yield.

OIB Interest Checking

Minimum to OpenTiered Balances (Daily Balance)Interest RateAPY*
$100.00All Balances0.0500%0.0500%
  • Accounts are variable rate accounts and the rate may change after the account is opened.  
  • Fees may reduce the earnings on the account.  
  • *APY = Annual Percentage Yield.

OIB Money Market Checking

Minimum to OpenTiered Balances (Daily Balance)Interest RateAPY*
$100.000 - $9,999.990.1000%0.1000%
$10,000 - $24,999.990.1499%0.1500%
$25,000 - $49,999.990.2497%0.2500%
$50,000 - $99,999.990.2497%0.2500%
$100,000 - $499,999.990.3494%0.3500%
$500,000 +0.4490%0.4500%
  • Accounts are variable rate accounts and the rate may change after the account is opened.  
  • Fees may reduce the earnings on the account.  
  • *APY = Annual Percentage Yield.

OIB Ultra-Checking

Minimum to OpenTiered Balances (Daily Balance)Interest RateAPY*
$10,000.000 - $9,999.990.0500%0.0500%
$10,000 - $49,999.990.1000%0.1000%
$50,000 - $99,999.990.2497%0.2500%
$100,000 - $249,999.990.3494%0.3500%
$250,000 - $499,999.990.4490%0.4500%
$500,000 - $999,999.990.5485%0.5500%
$1,000,000 +0.5485%0.5500%
  • Accounts are variable rate accounts and the rate may change after the account is opened.  
  • Fees may reduce the earnings on the account.  
  • *APY = Annual Percentage Yield.

Reward Plus Savings

Minimum to OpenTiered Balances (Daily Balance)Interest RateAPY*
$100.000 - $50,000.001.0049%1.0100%
$50,000.000.2497%0.2500%
If qualifications aren't met0.0500%0.0500%
  • Accounts are variable rate accounts and the rate may change after the account is opened.  
  • Fees may reduce the earnings on the account.  
  • *APY = Annual Percentage Yield.

OIB Regular Savings

Minimum to OpenTiered Balances (Daily Balance)Interest RateAPY*
$100.00All Balances0.1499%0.1500%
  • Accounts are variable rate accounts and the rate may change after the account is opened.  
  • Fees may reduce the earnings on the account.  
  • *APY = Annual Percentage Yield.

OIB Health Savings Account

Minimum to OpenTiered Balances (Daily Balance)Interest RateAPY*
$50.000 - $2,499.990.0500%0.0500%
$2,500 - $4,999.990.1499%0.1500%
$5,000 - $9,999.990.1499%0.1500%
$10,000 - $99,999.990.3494%0.3500%
$100,000 +0.5087%0.5100%
  • Accounts are variable rate accounts and the rate may change after the account is opened.  
  • Fees may reduce the earnings on the account.  
  • *APY = Annual Percentage Yield.

OIB Business Plus Checking

Minimum to OpenTiered Balances (Daily Balance)Interest RateAPY*
$100.00All Balances0.0500%0.0500%
  • Accounts are variable rate accounts and the rate may change after the account is opened.  
  • Fees may reduce the earnings on the account.  
  • *APY = Annual Percentage Yield.

OIB Premium Business Checking

Minimum to OpenTiered Balances (Daily Balance)Interest RateAPY*
$1,000.000 - $9,999.990.1000%0.1000%
$10,000 - $24,999.990.1499%0.1500%
$25,000 - $49,999.990.2497%0.2500%
$50,000 - $99,999.990.2497%0.2500%
$100,000 - $499,999.990.3494%0.3500%
$500,000 +0.4490%0.4500%
  • Accounts are variable rate accounts and the rate may change after the account is opened.  
  • Fees may reduce the earnings on the account.  
  • *APY = Annual Percentage Yield.

OIB Business Savings

Minimum to OpenTiered Balances (Daily Balance)Interest RateAPY*
$100.00All Balances0.1499%0.1500%
  • Accounts are variable rate accounts and the rate may change after the account is opened.  
  • Fees may reduce the earnings on the account.  
  • *APY = Annual Percentage Yield.

To obtain information on current rates, please call OIB at (866) 338-3030.