Personal Rates

FreeNet® Checking Account1
Rates as of 7/4/2008 12:00:00 AM
Account Balance Rate APY
Introductory yield 4.65% 4.76%
$100,000 and Up 3.45% 3.51%
$50,000 - $99,999 3.16% 3.21%
$25,000 - $49,999 2.77% 2.81%
$10,000 - $24,999 2.48% 2.51%
$9,999 or less 2.23% 2.26%


Yield PledgeSM Money Market2,3
Rates as of 7/4/2008 12:00:00 AM
Personal Rate APY
Introductory yield3 4.65% 4.76%
Ongoing yield 3.45% 3.51%


EverCard® Visa® Platinum4
Rates as of 7/4/2008 12:00:00 AM
Our APR Daily Rate
As low as 9.90% 0.03%


Home Lending
LENDING Rate APR
30-year Fixed5 6.375% 6.539%
15-year Fixed6 5.875% 6.160%
5/1 ARM7 5.250% 5.641%
Home Equity Line of Credit8 5.125% 5.125%
Yield Pledge Certificate of Deposit2,9
Rates as of 7/4/2008 12:00:00 AM
Term APY Rate
3-month 3.04% 2.99%
6-month 3.35% 3.30%
9-month 3.45% 3.39%
1-year 3.71% 3.64%
1.5-year 3.84% 3.77%
2-year 3.97% 3.89%
2.5-year 4.14% 4.06%
3-year 4.31% 4.22%
4-year 4.55% 4.45%
5-year 4.68% 4.57%


Insured AdvantageSM Certificate of Deposit10
Rates as of 7/4/2008 12:00:00 AM
Term Rate APY
3-month 2.72% 2.76%
6-month 3.00% 3.05%
1-year 3.31% 3.37%
2-year 3.51% 3.57%
3-year 3.78% 3.85%
5-year 4.30% 4.39%


Overdraft Protection11
Rates as of 7/4/2008 12:00:00 AM
Our APR Daily Rate
As low as 11.90% 0.03%


Personal and Business Rates

WorldCurrency Access Deposit Account—Money Market Yields
$2,500 ($US) Minimum Deposit (some exceptions apply)12,13
Rates as of 7/4/2008 12:00:00 AM
Currency Name Balance
Up To:
APY Balance
Up To:
APY Balance
Up To:
APY Balance
Up To:
APY Balance
Over:
APY
Australian dollar 13,000 0.00% 32,600 1.13% 65,000 1.63% 98,000 2.00% 98,000 2.25%
British pound 5,500 0.00% 13,700 0.20% 27,000 0.50% 41,000 0.75% 41,000 1.00%
Canadian dollar 11,200 0.00% 27,000 0.63% 56,000 0.88% 84,000 1.13% 84,000 1.38%
Chinese renminbi 80,000 0.00% 82,000 0.00% 205,000 0.00% 410,000 0.00% 410,000 0.00%
Czech koruna 225,000 0.00% 565,000 0.50% 1,129,000 0.75% 1,695,000 0.88% 1,695,000 1.00%
Danish krone 59,000 0.00% 147,000 0.13% 295,000 0.13% 443,000 0.13% 443,000 0.50%
Euro 8,000 0.00% 20,000 0.13% 40,000 0.25% 60,000 0.50% 60,000 0.75%
Hong Kong dollar 77,700 0.00% 195,000 0.00% 388,000 0.13% 582,700 0.38% 582,700 0.63%
Japanese yen 1,110,000 0.00% 2,775,000 0.00% 5,550,000 0.00% 8,325,000 0.00% 8,325,000 0.00%
Mexican peso 110,000 0.00% 275,000 2.00% 550,000 2.10% 825,000 2.25% 825,000 2.50%
New Zealand dollar 16,000 0.00% 40,000 1.50% 78,000 1.70% 118,000 1.75% 118,000 2.50%
Norwegian krone 62,000 0.00% 154,000 0.25% 308,000 0.35% 462,000 0.75% 462,000 1.00%
Singapore dollar 16,000 0.00% 40,000 0.00% 80,000 0.00% 118,000 0.00% 118,000 0.13%
South African rand 60,000 0.00% 150,000 2.50% 300,000 2.75% 450,000 3.00% 450,000 3.25%
Swedish krona 73,000 0.00% 185,000 0.25% 367,000 0.50% 550,000 0.75% 550,000 1.00%
Swiss franc 12,400 0.00% 31,000 0.00% 62,000 0.00% 93,000 0.00% 93,000 0.25%
U.S. dollar 2,500 0.00% 25,000 0.50% 50,000 0.75% 100,000 1.00% 175,000 2.76%


WorldCurrency CD Yields
$10,000 ($US) Minimum Deposit (some exceptions apply)12,14
Rates as of 7/4/2008 12:00:00 AM
3-Month 6-Month 9-Month 12-Month
Currency Name Rate APY Rate APY Rate APY Rate APY
Australian dollar 5.25% 5.35% 5.50% 5.58% 5.50% 5.54% 5.38% 5.38%
Brazilian real 5.00% 5.09% na na na na na na
British pound 3.00% 3.03% 3.25% 3.28% 3.13% 3.14% 3.13% 3.13%
Canadian dollar 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00%
Czech koruna 3.15% 3.19% 3.25% 3.28% na na na na
Danish krone 2.00% 2.02% 2.13% 2.14% na na na na
Euro 2.00% 2.02% 2.25% 2.26% 2.25% 2.26% 2.25% 2.25%
Hong Kong dollar 1.00% 1.00% 1.00% 1.00% na na na na
Icelandic krona 2.50% 2.52% na na na na na na
Indian rupee 2.25% 2.27% na na na na na na
Japanese yen 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Mexican peso 4.50% 4.58% 4.50% 4.55% na na na na
New Zealand dollar 6.13% 6.27% 6.13% 6.22% 6.00% 6.05% 5.88% 5.88%
Norwegian krone 3.50% 3.55% 3.50% 3.53% 3.50% 3.52% 3.50% 3.50%
Singapore dollar 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% na na
South African rand 8.25% 8.51% 8.50% 8.68% na na na na
Swedish krona 2.13% 2.14% 2.25% 2.26% 2.50% 2.51% 2.50% 2.50%
Swiss franc 0.38% 0.38% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50%


WorldCurrency Index CDs Yields
$20,000 ($US) Minimum Deposit 12,15
Rates as of 7/4/2008 12:00:00 AM
3-Month 6-Month
Multi-currency CDs Currencies Rate APY Rate APY
Commodity Index CD
Comprised of 4 currencies from commodity-based countries.
Australian dollar - 25%
Canadian dollar - 25%
New Zealand dollar - 25%
South African rand - 25%
5.00% 5.09% 5.25% 5.32%
Euro Trax® Index CD
Comprised of 4 currencies from countries with strong economies.
Euro - 40%
Norwegian krone - 20%
Swedish krona - 20%
Swiss franc - 20%
2.00% 2.02% 2.10% 2.11%
European Opportunity Index CD
Comprised of 3 currencies from countries transitioning to the euro.
Hungarian forints - 37.5%
Polish zloty - 37.5%
Czech koruna - 25%
3.15% 3.19% 3.25% 3.28%
Geographic Index CD
Comprised of 4 currenices from 4 different continents.
Australian dollar - 25%
Euro - 25%
Hong Kong dollar - 25%
Mexican peso - 25%
3.50% 3.55% 3.00% 3.02%
Investor's Opportunity Index CD
Comprised of 4 currencies from growing economies.
Mexican peso - 40%
Australian dollar - 20%
Euro - 20%
New Zealand dollar - 20%
3.85% 3.91% 4.00% 4.04%
New World Energy Index CD
Comprised of 3 non-middle eastern energy producing countries.
Australian dollar - 33.3%
Canadian dollar - 33.3%
Norwegian krone - 33.3%
3.25% 3.29% 3.30% 3.33%
Pacific Advantage Index CD
Comprised of 4 major currencies from the Pacific region.
New Zealand dollar - 40%
Hong Kong dollar - 20%
Japanese yen - 20%
Singapore dollar - 20%
1.75% 1.76% 1.77% 1.78%
Pan-AsianSM Index CD
Comprised of 4 major currencies from the Pan-Asian region.
Australian dollar - 40%
Hong Kong dollar - 20%
Japanese yen - 20%
Singapore dollar - 20%
1.50% 1.51% 1.75% 1.76%
Petrol Index CD
Comprised of 3 major currencies from non-Middle Eastern oil producing and exporting nations.
British pound - 33.3%
Mexican peso - 33.3%
Norwegian krone - 33.3%
3.25% 3.29% 3.30% 3.33%
Prudent Central Bank Index CD
Comprised of 4 major currencies from countries with strong, inflation-fighting Central Banks.
Australian dollar - 25%
British pound - 25%
Euro - 25%
New Zealand dollar - 25%
3.50% 3.55% 3.75% 3.79%
Viking Index CD
Comprised of 3 currencies from Nordic countries.
Norwegian krone - 40%
Danish krone - 30%
Swedish krona - 30%
2.45% 2.47% 2.50% 2.52%
World Energy Index CDSM
Comprised of 4 non-middle eastern energy producing countries.
Australian dollar - 25%
British pound - 25%
Canadian dollar - 25%
Norwegian krone - 25%
3.00% 3.03% 3.13% 3.15%