Rates

Relationship Certificates of Deposit and Fixed Rate IRAs

$500 Minimum deposit
$100,000 minimum deposit for jumbo CDs

CD Rates for Bell customers with qualifying personal accounts*

Details

Type & Term	Interest Rate	APY	Jumbo Interest Rate	Jumbo APY	Payment Frequency
7 Month CD Special	4.50%	4.54%	4.55%	4.59%	Maturity
14 Month CD Special	4.50%	4.50%	4.55%	4.55%	Annually**
3 Month (91 Day) CD	3.45%	3.49%	3.50%	3.55%	Maturity
6 Month (182 Day) CD	3.45%	3.48%	3.50%	3.53%	Maturity
1 year (12 Month) CD	3.45%	3.45%	3.50%	3.50%	Maturity
18 Month CD	3.45%	3.48%	3.50%	3.53%	Semiannually
2 Year (24 Month) CD	3.45%	3.45%	3.50%	3.50%	Annually
3 Year (36 Month) CD	3.45%	3.45%	3.50%	3.50%	Annually
5 Year (60 Month) CD	3.45%	3.45%	3.50%	3.50%	Annually

_{Annual Percentage Yield (APY) assumes that interest will remain on deposit until maturity. There may be a penalty for early withdrawal.}
_{*Requirements to qualify for a relationship rate: an individual must have a personal ownership in a BELL personal checking account or BELL personal premier money market savings account. A trust or estate will be eligible for a relationship rate if it has ownership in a BELL Trust and Estate checking account or BELL Trust and Estate premier money market savings account. Commercial and business accounts are not eligible for the relationship rate.}
_{**Interest will be compounded and credited annually and at maturity.}

Certificates of Deposit and Fixed Rate IRAs

$500 Minimum deposit
$100,000 minimum deposit for jumbo CDs

Standard rates for CDs and Fixed rate IRAs

Details

Type & Term	Interest Rate	APY	Jumbo Interest Rate	Jumbo APY	Payment Frequency
7 Month CD Special	4.30%	4.34%	4.35%	4.39%	Maturity
14 Month CD Special	4.30%	4.30%	4.35%	4.35%	Annually*
3 Month (91 Day) CD	3.25%	3.29%	3.30%	3.34%	Maturity
6 Month (182 Day) CD	3.25%	3.28%	3.30%	3.33%	Maturity
1 year (12 Month) CD	3.25%	3.25%	3.30%	3.30%	Maturity
18 Month CD	3.25%	3.28%	3.30%	3.33%	Semiannually
2 Year (24 Month) CD	3.25%	3.25%	3.30%	3.30%	Annually
3 Year (36 Month) CD	3.25%	3.25%	3.30%	3.30%	Annually
5 Year (60 Month) CD	3.25%	3.25%	3.30%	3.30%	Annually

_{Annual Percentage Yield (APY)} _{assumes that interest will remain on deposit until maturity. There may be a penalty for early withdrawal.}
_{*Interest will be compounded and credited annually and at maturity.}

Certificate of Deposit – Flexible Terms

$5,000 Minimum deposit
$100,000 minimum deposit for jumbo CDs

Rates for CDs with withdrawal and rate increase options*

Details

Type & Term	Interest Rate	APY	Jumbo Interest Rate	Jumbo APY	Payment Frequency
10 Month Flexible CD (Not for IRAs)*	3.25%	3.25%	3.25%	3.25%	Maturity
15 Month Flexible CD (Not for IRAs)*	3.25%	3.25%	3.25%	3.25%	Annually**
30 Month Flexible CD (Not for IRAs)*	3.25%	3.28%	3.25%	3.28%	Semiannually

_{Annual Percentage Yield (APY)} _{assumes that interest will remain on deposit until maturity. There may be a penalty for early withdrawal.}
_{*Once during the term, you can increase the APY to the current APY offered on a similar term Flexible CD. One penalty-free withdrawal of up to one-half of the current balance is allowed. This withdrawal cannot be made within six days after the date the CD is opened. If you withdraw the remaining balance before the maturity date, a penalty may be imposed. A minimum balance of $2,500 must be maintained ($50,000 for Jumbo CD). A withdrawal will reduce earnings.} _{**Interest will be credited annually and at maturity.}

Variable Rate IRAs

$50 Minimum deposit

Details

Type & Term	Minimum Balance (to earn interest)	Interest Rate	APY	Payment Frequency
IRA Variable Rate Savings	$25.00	3.25%	3.30%	Monthly

_{Annual Percentage Yield (APY) is variable and may change monthly. The APY assumes that interest will remain on deposit until maturity. A withdrawal will reduce earnings.}

Savings Account Interest Rates

$50 Minimum deposit

Details

Type & Term	Minimum Balance (to earn interest)	Interest Rate	APY	Payment Frequency
Regular Savings	$50.00	0.50%	0.50%	Quarterly
Money Market Savings	$500.00	2.00%	2.02%	Monthly
Money Market Savings Plus	$500.00	2.00%	2.02%	Monthly
Premier Money Market Savings*	$5,000.00 to $99,999.99	2.25%	2.27%	Monthly
	$100,000.00 to $499,999.99	2.50%	2.53%	Monthly
	$500,000.00 to $999,999.99	2.75%	2.78%	Monthly
	$1,000,000.00 or more	3.00%	3.04%	Monthly
Premier Money Market Savings Plus*	$5,000.00 to $99,999.99	2.25%	2.27%	Monthly
	$100,000.00 to $499,999.99	2.50%	2.53%	Monthly
	$500,000.00 to $999,999.99	2.75%	2.78%	Monthly
	$1,000,000.00 or more	3.00%	3.04%	Monthly

_{Annual Percentage Yield (APY) is variable and may change after account is opened. If fees are applied, earnings may be reduced. There is a service fee of $2 for Regular Savings and $10 for Money Market accounts if the minimum balance is not maintained.

*The interest rate is paid on the entire balance in the account.}

Checking Account Interest Rates

$50 Minimum deposit

Details

Type & Term	Minimum Balance (to earn interest)	Interest Rate	APY	Payment Frequency
America's Best Interest Checking	$500.00	0.30%	0.30%	Monthly
America's Best Premier Interest Checking*	$5,000.00 to $49,999.99	0.30%	0.30%	Monthly
	$50,000.00 to $99,999.99	0.30%	0.30%	Monthly
	$100,000.00 or more	0.30%	0.30%	Monthly

_{Annual Percentage Yield (APY) is variable and may change after account is opened. If fees are applied, earnings may be reduced. There is a $10 service fee on your Interest Checking account if the minimum balance is not maintained. Interest is earned on the daily collected balance each day the balance is at or above the minimum balance.

*The interest rate is paid on the entire balance in the account.}