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MarketSafe® CDs, if held to the Maturity Date, will have a guaranteed return of the deposited principal ("Principal Protection"). Principal Protection only applies to CDs held to maturity. In the event of Bank failure, the CD balance is FDIC insured up to $250,000. Your other deposits with EverBank will be aggregated with the MarketSafe CD with respect to the $250,000 maximum. Except in the event of death or adjudication of incompetence of the holder of the MarketSafe CD, you may not withdraw any part of the CD prior to maturity. If you do withdraw early, even if that is due to the death or adjudicated incompetency of the holder of the CD, you will NOT receive Principal Protection and will NOT benefit from any upside potential of the Reference Index, experiencing a loss of principal as an early withdrawal charge. See the MarketSafe Deposit Account Disclosures in your Account Terms, Disclosures and Agreements Booklet for more information.
These currencies are not being acquired by you or EverBank. The upside payment of this U.S. dollar denominated CD will be based on the equally weighted value of the performance of these currencies against the U.S. dollar as measured on the established Pricing Dates (the “Reference Index”). The fixing prices per U.S. dollar (the “Fixing Prices”) for the Turkish lira, Mexican peso, Indian rupee, Chinese renminbi and Brazilian real shall be quoted from Reuters on the Initial Value Date, Final Value Date and semi-annual Pricing Dates, using the following: Turkish lira-ECB37 (2:15 p.m./Frankfurt), Mexican peso-WMRSPOT11 (4:00 p.m./London), Indian rupee-RBIB (12:30 p.m./Mumbai), Chinese renminbi-SAEC (9:15 a.m./Beijing) and Brazilian real-BRFR (1:15 p.m./Sao Paulo). The Fixing Price for the Indonesian rupiah shall be quoted from Bank Indonesia on the Initial Value Date, Final Value Date and semi-annual Pricing Dates (10:00 a.m./Jakarta). The “Average of 10 Semi-Annual Fixing Prices” for any one currency shall be the simple average of the Fixing Price of that currency as of the 10 semi-annual Pricing Dates. In the event Reuters or Bank Indonesia fails to publish such prices for any one or all of the Reference Index currencies, EverBank reserves the right to use an alternative equivalent index or price determination in its discretion.
Servicemembers on active duty and their co-borrowers should consult a legal advisor about whether refinancing their current loan may result in loss of benefits to which they may be entitled under the Servicemembers Civil Relief Act or applicable state law.
The quoted Yield Pledge® Checking interest rates and Annual Percentage Yields (APYs) are accurate as of 5/22/2015 12:00:00 AM. Since this is a tiered, variable rate account, the interest rates, APYs and tiers could change without notice. If your average daily balance is within a tier, the corresponding interest rate and APY is paid on your entire balance, except as described below for the Bonus Interest Rate offer. The current tiers and ongoing interest rates and APYs are: 0.61% APY/interest rate for balances of $100,000 and up; 0.56% APY/interest rate for $50,000 - $99,999.99; 0.46% APY/interest rate for $25,000 - $49,999.99; 0.41% APY/interest rate for $10,000 - $24,999.99; and 0.30% APY/interest rate for balances under $10,000. The required minimum opening deposit is $1,500. At this time, we are pleased to be offering a six-month Bonus Interest Rate and New Account First Year APY to first-time holders of our Yield Pledge Checking Account. Keep in mind the Bonus Interest Rate may not be applied to funds transferred from another EverBank® account. Fixed for the first six months, the Bonus Interest Rate (currently 1.40%) will apply to balances up to $100,000. Funds in excess of $100,000 will earn the variable ongoing APY and interest rate for our highest tier (currently 0.61%), which may change anytime - even during the first six months. The New Account First Year APY is a required disclosure that is a blended APY that combines the Bonus Interest Rate with the current ongoing interest rates. This isn't the exact APY you will earn since our current ongoing interest rates may change periodically over the last six months of your first year. The New Account First Year APYs are: 0.98% for $50,000 - $99,999.99; 0.93% for $25,000 - $49,999.99; 0.91% for $10,000 - $24,999.99; and 0.85% for balances under $10,000. The New Account First Year APY for balances from $100,000 to $10,000,000 is best expressed as a range: 1.01 to 0.62%; higher balances are accepted. Fees may reduce earnings.
National Average APY information as of 5/14/2015 12:00:00 AM, as tracked in Bankrate.com's BRM National Index. National Average APYs and terms and conditions can change at any time.
Competitor APY information as of 5/14/2015 12:00:00 AM, provided by Market Rates Insight. Competitor APYs and terms and conditions can change at any time. Some competitor rates may vary by region.
EverBank promises that the yield on your Yield Pledge® Checking and/or Money Market Account will stay in the Top 5% of Competitive Accounts based on Bankrate Monitor National Index survey data from the last week of each month. "Competitive Accounts" are similar accounts from the 10 largest banks and thrifts in 10 large U.S. banking markets. This includes data from the 5 largest banks and 5 largest thrifts in each market, except in markets without 5 banks and 5 thrifts. Each week Bankrate.com surveys these institutions and distributes its results on a paid subscription basis. Not all institutions report each week. EverBank reserves the right to change its Yield Pledge calculation method as necessary to accommodate changes in Bankrate's survey methodology at any time.
Must be an existing EverBank client eligible to enroll in Online Check Deposit using our downloadable Android or iPhone mobile banking app. See our Online Check Deposit Services Agreement for information on crediting of deposits. Funds availability subject to EverBank’s Funds Availability Disclosure. Both are found in your Personal Account Terms, Disclosures and Agreements Booklet. Subject to approval.