Pine Island Bank offers competitive interest rates on deposit and loan products. 
 
 
*APY=Annual Percentage Yield  
 
Annual Percentage Yields are accurate as of  
02/14/2014 
 
 
Please CONTACT US for current loan and mortgage rates.  
 
 
 
 
 
 
 
 
 

 
PINE ISLAND BANK CURRENT DEPOSIT RATES
 
PINE ISLAND NOW CHECKING

 Interest RateAPY*
 .10%.10%
Interest compounded monthly.
Minimum balance required to open is $2,000.00.
Average daily balance required to earn disclosed APY* is $2,000.00.
Fees could reduce earnings.
Account available for individual(s) only.
After account opening, at our discretion, we may change the interest rate.
 
 
INTEREST BUSINESS CHECKING
 Interest RateAPY*
 .10%.10%
Interest compounded monthly.
Average daily balance required to earn disclosed APY* is $2,500.00.
Fees could reduce earnings.
Only Non-Profit Organizations, Government Entities and Sole Proprietors qualify for this account.
After account opening, at our discretion, we may change the interest rate.
 
 
SAVINGS
 Interest RateAPY*
 .15%.15%
Interest compounded monthly.
Minimum balance required to earn disclosed APY* is $50.00.
$10 minimum to open account.
Limitation of frequency of transfers.
After account opening, at our discretion, we may change the interest rate.
 
 
CHRISTMAS CLUB
 Interest RateAPY*
 1.00%1.01%
Minimum balance to open is $1.00.
Interest compounded annually.
Minimum balance required to earn disclosed APY* is $1.00.
Early withdrawal penalty.
Fees could reduce earnings.
 
 
MONEY MARKET DEPOSIT ACCOUNT
BalanceInterest RateAPY*Minimum Balance Required to Earn Disclosed APY*
$0.01 - $2,499.99.15%.15%$.01
$2,500.00 - $24,999.99.20%.20%$2,500.00
$25,000.00 - $99,999.99.25% .25%$25,000.00
$100,000.00 or higher.35%.35%$100,000.00
Interest compounded monthly.
Minimum balance to open account is $2,500.00.
Fees could reduce earnings.
Limitation on frequency of transfers.
After account opening, at our discretion, we may change the interest rate.
 
 
YOUNG SAVERS CERTIFICATE
Balance= $300.00 to $24,999.99
TermInterest RateAPY*
12 Month
.35%.35%
24 Month.55.55%
36 Month.85%.85%
48 Month1.00%1.00%
60 Month1.15%1.16%
Interest compounded quarterly.
Minimum balance required to open account and to earn disclosed APY* is $300.00.
Early withdrawal penalty, fees could reduce earnings.
For rates on balances $25,000 to $99,999 and =/> $100,000 please reference the IRA rates below.


 
 
CERTIFICATES OF DEPOSIT & TRADITIONAL AND ROTH IRA
Balance =/<$24,999.99
TermInterest RateAPY*
3 Month (CD Only).20%.20%
6 Month (CD Only).25%.25%
12 Month.35%.35%
24 Month.55%.55%
36 Month.85%.85%
48 Month1.00%1.00%
60 Month1.15%1.16%
24 Month Step-Up CD.45%.45%
36 Month Triple Play CD.65%.65%
Interest compounded quarterly.
Minimum balance required to open CD account and earn disclosed APY* is $500 ($2,500.00 minimum balance to open account and earn disclosed APY* for Step-Up & Triple Play)
Minimum balance required to open IRA account and earn disclosed APY* is $100.00.
Early withdrawal penalty, fees could reduce earnings.
 
Balance= $25,000.00 to $99,999.99
TermInterest RateAPY*
3 Month (CD Only).30%.30%
6 Month (CD Only).35%.35%
12 Month.45%.45%
24 Month.65%.65%
36 Month.95%.95%
48 Month1.10%1.10%
60 Month1.25%1.26%
24 Month Step-Up CD.55%.55%
36 Month Triple Play CD.75%.75%
Interest compounded quarterly.
Minimum balance required to earn disclosed APY* is $25,000.00
Early withdrawal penalty, fees could reduce earnings.
 
Balance =/> $100,000.00
TermInterest RateAPY*
3 Month (CD Only)
.40%.40%
6 Month (CD Only).45%.45%
12 Month
.55%.55%
24 Month.75%.75%
36 Month1.05%1.05%
48 Month1.20%1.21%
60 Month1.35%1.36%
24 Month Step-Up CD.65%.65%
36 Month Triple Play CD.85%.85%
Interest compounded quarterly.
Minimum balance required to earn disclosed APY* is $100,000.00
Early withdrawal penalty, fees could reduce earnings.
 
 
 
 
HEALTH SAVINGS ACCOUNT
Balance
Interest RateAPY*Minimum Balance Required to Earn Disclosed APY*
$0 - $499.99
.00%.00%$.00
$500.00 - $999.99.25%.25%$500.00
$1,000.00 - $1999.99.50%.50%$1,000.00
$2,000.00 and over.75%.75%$2,000.00
Interest compounded monthly.
Fees could reduce earnings.
After account opening, at our discretion, we may change the interest rate.
 

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