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Deposit Rates

Business Checking and Savings*

(Effective: Wednesday, July  19, 2017)

Program Minimum daily balance
to earn APY
Interest Rate APY
Business Statement Savings
(Minimum balance to open account is $25.00)
$10.00 0.05% 0.05%
Business Saver Account
(Minimum balance to open account is $10,000.00)

$10.00

$10,000.00

0.05%

0.50%

0.05%

0.50%

Business Money Market Deposit Account
(Minimum balance to open the account is $25.00)

$10.00

$10,000.00

$25,000.00

$50,000.00

$100,000.00

0.20%

0.25%

0.75%

0.75%

1.00%

0.20%

0.25%

0.75%

0.75%

1.00%

Simple Business Checking
(Minimum balance to open account is $25.00 – 50 Free basic monthly transactions (deposits, withdrawals, checks paid etc…) – with no monthly fee and no minimum balance requirement.)
$10.00 0.05% 0.05%
IOLTA Checking
(Minimum balance to open account is $25.00 – persons opening this account must be a lawyer)
$10.00 0.05% 0.05%

*All rates/APY’s listed are accurate as of the effective date shown above and are subject to change without notice. Annual Percentage Yield (APY) is what your money would earn if principal and interest remain on deposit for at least one year at the same rate. The effect of fees may lower the APY. The APY on Business Savings and Checking accounts may change after the account is opened. Please contact a personal banking representative at Sage Bank for more information about applicable fees and terms.


CDs & IRAs*

(Effective: Wednesday, July 19, 2017)

Program Term Minimum Daily Balance
to earn APY
Interest Rate APY
Certificates of Deposit (CDs)

3 months

6 months

9 months

12 months

15 months

18 months

24 months

30 months

36 months

48 months

60 months

$1,000.00

$1,000.00

$1,000.00

$1,000.00

$1,000.00

$1,000.00

$1,000.00

$1,000.00

$1,000.00

$1,000.00

$1,000.00

0.20%

0.90%

1.00%

1.24%

0.70%

0.75%

0.95%

1.00%

1.24%

1.34%

1.49%

0.20%

0.90%

1.00%

1.25%

0.70%

0.75%

0.95%

1.00%

1.25%

1.35%

1.50%

Individual Retirement Accounts (IRAs)

12 months

18 months

24 months

30 months

36 months

48 months

60 months

$1,000.00

$1,000.00

$1,000.00

$1,000.00

$1,000.00

$1,000.00

$1,000.00

1.24%

0.75%

0.95%

1.00%

1.24%

1.34%

1.49%

1.25%

0.75%

0.95%

1.00%

1.25%

1.35%

1.50%

*All rates/APYs listed are accurate as of the effective date shown above and are subject to change without notice. Substantial penalty for early withdrawal on all Certificates of Deposit. Annual Percentage Yield (APY) is what your money would earn if principal and interest remain on deposit for at least one year at the same rate. Fees may lower the APY. The APY on Savings and Checking Accounts may change after the account is opened. Please contact a personal banking representative at Sage Bank for more information about applicable fees and terms.


Money Market Deposit Account*

(Effective: Wednesday, July 19, 2017)

Program Minimum Daily Balance
to earn APY
Interest Rate APY
Money Market Deposit Account
(Minimum balance to open is $25.00)

$10.00

$10,000.00

$25,000.00

$50,000.00

$100,000.00

0.20%

0.25%

0.75%

0.75%

1.00%

0.20%

0.25%

0.75%

0.75%

1.00%

*All rates/APYs listed are accurate as of the effective date shown above and are subject to change without notice. Annual Percentage Yield (APY) is what your money would earn if principal and interest remain on deposit for at least one year at the same rate. Fees may lower the APY. The APY on Money Market Deposit Checking Accounts may change after the account is opened. Please contact a personal banking representative at Sage Bank for more information about applicable fees and terms.


Savings and Checking*

(Effective: Wednesday, July 19, 2017)

Program Minimum Daily Balance
to earn APY
Interest Rate APY
Statement Savings
(Minimum balance to open account is $25.00)
$10.00 0.05% 0.05%
Interest Checking
(Minimum balance to open account is $25.00)
$10.00  0.05% 0.05%

*All rates/APY’s listed are accurate as of the effective date shown above and are subject to change without notice. Annual Percentage Yield (APY) is what your money would earn if principal and interest remain on deposit for at least one year at the same rate. The effect of fees may lower the APY. The APY on Savings and Checking accounts may change after the account is opened. Please contact a personal banking representative at Sage Bank for more information about applicable fees and terms.