- Rates and Annual Percentage Yields (APYs) shown are current as of 7/2/2009 12:00:00 AM. Minimum opening deposit of $1,500 is required. This is a tiered variable rate account and any of the tiers or rates may change at any time without notice. This bonus rate offer and New Account First-Year APYs are available to first-time EverBank account holders only and are limited to one account per household. The bonus rate will apply to the first $99,999.99 on deposit for the first three months after account opening (the "Bonus Period") and may change at any time prior to account opening. The ongoing rate or Current Rate paid on balances of $100,000 and greater is variable and may change at anytime without notice, including during the bonus period. The APY for the 12 month period after the account is opened is the "New Account First-Year APY" or "First Year APY." New Account First-Year APY for Balances of $100,000 or more: APY range shown assumes a maximum account balance of $10,000,000. Higher balances are accepted. Without Bonus Rate: Rates and APYs for accounts not receiving the Bonus Rate are shown in the "Current Rate and APY" column.
- EverBank pledges to keep the yield on your account in the top 5% of competitive accounts as tracked in the Bankrate.com National IndexTM of leading banks and thrifts. For the Yield Pledge CD this pledge applies at the time of purchase, or when rolling your expiring CD into a new CD with EverBank.
- Rates and Annual Percentage Yields (APYs) shown are current as of 7/2/2009 12:00:00 AM. Minimum opening deposit of $1,500 is required. In any month that your average monthly balance falls below $5,000 a $8.95 monthly fee applies. Fees may reduce earnings. This is a variable rate account and any of the rates may change at any time without notice. This bonus rate and New Account First-Year APYs are available to first-time EverBank account holders only and are limited to one account per household. The bonus rate shown will apply to the first $50,000 on deposit for the first three months after account opening (the "Bonus Period ") and may change at any time prior to account opening. The APY for the 12 month period after the account is opened is the "New Account First-Year APY " or "First Year APY." New Account First-Year APY for Balances greater than $50,000: The ongoing rate or Current Rate paid on balances of $50,001 and greater is variable and may change at anytime without notice, including during the bonus period. The APY range shown assumes a maximum deposit amount of $10,000,000. Higher balances are accepted. Without the Bonus Rate: Rates and APYs for accounts not receiving the bonus rate are shown in the "Current Rate and APY" column.
- 30-year fixed rate mortgage hypothetical example: In the state of Florida, A $250,000 home financed at 5.625% ( 5.692% APR) with 20% down would result in a loan amount of $200,000 repaid in 360 equal monthly payments of $1,151.31. If the down payment is less than 20%, mortgage insurance may be needed, which would increase monthly payment and APR. The payment amount does not include costs associated with escrow for property taxes or homeowners insurance. Subject to credit and property approval.
- 15-year fixed rate mortgage hypothetical example: In the state of Florida, A $250,000 home financed at 4.625% ( 4.736% APR) with 20% down would result in a loan amount of $200,000 repaid in 180 equal monthly payments of $1,542.79. If the down payment is less than 20%, mortgage insurance may be needed, which would increase monthly payment and APR. The payment amount does not include costs associated with escrow for property taxes or homeowners insurance. Subject to credit and property approval.
- 5/1 ARM hypothetical example: This is a variable rate product and rates may change after consummation. A $250,000 home financed at 7.125% (9.6271% APR) with 20% down would result in a loan amount of $200,000 repaid in 60 monthly payments of $1,347.44 followed by 300 monthly payments of $1,598.16 at 9.125%. If the down payment is less than 20%, mortgage insurance may be needed, which would increase monthly payment and APR. The payment amount does not include costs associated with escrow for property taxes or homeowners insurance. Subject to credit and property approval.
- The quoted Annual Percentage Yield (APY) is current as of 7/2/2009 12:00:00 AM, may change at any time prior to the opening of the CD, applies only to the corresponding term also quoted with the APY, and assumes interest remains on deposit until maturity. Penalties for early withdrawal apply. A minimum deposit of $1500 is required to open the account.
- The quoted Annual Percentage Yield (APY) is current as of 7/2/2009 12:00:00 AM, may change at any time prior to the opening of the CD, applies only to the corresponding term also quoted with the APY, and assumes interest remains on deposit until maturity. A minimum deposit of $10,000 is required to open the account. Insured Advantage Certificates of Deposit are offered in conjunction with the Certificates of Deposit Account Registry Service (CDARS®) and allow FDIC insurance on certificates of deposit in excess of single institution limits. CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. All accounts are subject to approval based in part on CD term and EverBank's CDARS participation limits. For current limits, please contact us at 888.882.EVER (3837). Accounts do not fund immediately. Funds received for an Insured Advantage account may be placed into a Yield Pledge Money Market account until your Insured Advantage account is approved and opened ("Placed"). Please refer to the Yield Pledge Money Market section of this rate table for more information on this account. Funding Requirements: The date your funds are received sets the earliest time your Insured Advantage account can be Placed: (1) Wire Transfers must be received by 12 PM ET on the Wednesday prior to Placement; (2) Cashier's Checks deposited in person must be received by 12 PM ET on the Wednesday prior to Placement; (3) Transfers from an existing EverBank Account must be received and available before 12 PM ET on the Wednesday prior to Placement; and (4) Personal Checks must be received by 5 PM ET on the Friday prior to Placement. Deposits above single institution FDIC insurance limits will not benefit from higher insurance protection until the Insured Advantage account is Placed. Accounts are Placed each week on Thursdays or the first Business Day thereafter. Early withdrawal penalties apply.
- The EverCard Visa has an Annual Percentage Rate (APR) for purchases of 9.90% or 12.90%, an APR for cash advances of 18.90%, and a default APR of 16.90%. The APRs are current as of 7/2/2009 12:00:00 AM, are variable and may change prior to or after account opening.
- The quoted Annual Percentage Rate (APR) is current as of 7/2/2009 12:00:00 AM, is variable (based on prime plus a margin of 5.9%), and may change prior to or after account opening. The APR will apply to any advances from the date of the advance (there are no grace periods). Overdraft protection is subject to credit approval and is only available to customers with a FreeNet and Basic Checking account.
- Your EverBank deposit accounts are insured by the FDIC for up to $250,000 until December 31, 2013. FDIC insurance covers against loss due to the failure of the institution, but not market related fluctuations, including changes in currency prices. Due to the nature and volatility of the foreign exchange market the values of currencies are subject to wide fluctuations against the U.S. dollar and investments in foreign currency denominated instruments will entail significant risk exposure to adverse movements of the foreign currency relative to the U.S. dollar. As with all investments, investors can lose money, including principal due to currency fluctuations, over the term that you own it. Please only invest with money that you can afford to risk, and as part of a broadly diversified investment strategy.
- If you request funds in this account be denominated in a currency other than the currency you deposit with EverBank®, we will convert your currency using a then current Exchange Rate. The Exchange Rate you pay will be within 1% of the available Market Rate for the selected foreign currency. Exceptions may occur when a specific conversion rate is agreed upon between you and EverBank or when an Exchange Rate is limited by conditions beyond our control (including government restrictions, wars, insurrections, economic conditions in the country whose currency you select or in the United States, and/or other "Acts of God"). The Market Rate is a market price available on the Interbank Currency Market and is not published in any newspaper, on any website or in any other publicly available source. Published exchange rates or spot rates may not accurately reflect rates on the Interbank Market or the Exchange Rate available to you. You are not obligated to conduct Exchange Transactions with EverBank. Please see the Foreign Currency Deposit Account Disclosure for more information about EverBank's Exchange Rates.
- The quoted annual percentage yield (APY) applies only to the corresponding term also quoted with the APY, and assumes that interest remains on deposit until maturity. Penalties for early withdrawal apply. The stated APY does not reflect the potential capital gains or losses that may occur due to fluctuations in the currency market. A minimum deposit of $10,000 or foreign currency equivalent is required to open the account. For the special Indian rupee and Brazilian real CDs, the minimum opening deposit is $20,000 or foreign currency equivalent.
- The quoted annual percentage yield (APY) applies only to the corresponding term also quoted with the APY, and assumes that interest remains on deposit until maturity. The stated APY does not reflect the potential capital gains or losses that may occur due to fluctuations in the currency market. Interest earned on your Index CD will be paid in additional units of the CD. Each unit is made up of each of the currencies listed here in accordance with the specified weightings. On maturity, your units can be rolled over into a new Index CD or converted to U.S. dollars at a conversion rate that blends the market value of each currency in accordance with that currency's weighting. Penalties for early withdrawal apply. A minimum deposit of $20,000 or foreign currency equivalent is required to open the account.
- The stated APY does not reflect the potential capital gains or losses that may occur due to fluctuations in the currency market. This is a tiered, variable rate account. Rates are subject to change without notice. The minimum deposit required to open an account is $2,500 or foreign currency equivalent based on exchange rates in effect on the day of deposit. For the Chinese renminbi accounts, the minimum opening deposit is $10,000 or foreign equivalent. These accounts are eligible to earn interest when the balance exceeds $10,000 ($USD). Fees may reduce earnings.
- This is a tiered variable rate account. The rate and Annual Percentage Yield may change at any time without notice. Fees may reduce earnings. For accounts whose average monthly balance falls below $5,000 a monthly maintenance fee of $14.95 will be applied. A minimum deposit of $1,500 is required to open this account.
- The quoted Annual Percentage Yield (APY) is current as of 7/2/2009 12:00:00 AM and applies only to the corresponding term also quoted with the APY, and assumes that interest remains on deposit until maturity. Rates may change prior to account opening. Penalties for early withdrawal apply. A minimum deposit of $1,500 is required to open the account.
- Rates and Annual Percentage Yields (APYs) shown are current as of 7/2/2009 12:00:00 AM. Minimum opening deposit of $1,500 is required. In any month that your average monthly balance falls below $5,000 a $14.95 monthly fee applies. Fees may reduce earnings. This is a tiered variable rate account and any of the tiers or rates may change at any time without notice. This bonus rate offer and New Account First-Year APYs are available to first-time EverBank account holders only and are limited to one account per household. The bonus rate shown will apply to the first $99,999.99 on deposit for the first three months after account opening (the "Bonus Period ") and may change at any time prior to account opening.
The APY for the 12 month period after the account is opened is the "New Account First-Year APY." The ongoing rate or Current Rate paid on balances of $100,000 and greater is variable and may change at anytime without notice, including during the bonus period. New Account First-Year APY for Balances of $100,000 or more: APY range shown assumes a maximum account balance of $10,000,000. Higher balances are accepted. Please contact EverBank for the APY applicable to any higher balance. Without Bonus Rate: Rates and APYs for accounts not receiving the Bonus Rate are shown in the "Current Rate and APY" column.
- The Annual Percentage Yield (APY) for the account is current as of 7/2/2009 12:00:00 AM is variable and may change after the account is opened. Fees may reduce earnings. A minimum deposit of $1,500 is required to open the account. In any month that your average monthly balance falls below $5,000 a $14.95 monthly fee applies.
- The quoted Annual Percentage Rate (APR) is current as of 7/2/2009 12:00:00 AM, is variable (based on Prime plus a margin of 2%), and may change prior to or after account opening. The APR will apply to any advances from the date of the advance (there are no grace periods). Overdraft protection line of credit is subject to credit approval and is only available to business customers with Business, Analysis, Interest or Non-Profit Checking Accounts. A $5 fee is charged for each transfer.
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