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FreeNet Checking is a tiered, variable rate account. All of our current ongoing yields and tiers may change without notice. EverBank invites first-time FreeNet Checking account holders to enjoy a three month Bonus Interest Rate and New Account First Year APY offer on their new account. The Bonus Interest Rate that is offered at account opening remains fixed for the first three months and applies to balances up to $100,000. If you have a balance of $100,000 or more, those additional funds will earn the variable ongoing APY for our highest tier which may change anytime- even during the first three months. As required by law, we are disclosing a blended APY that combines the Bonus Interest Rate with the current ongoing rates to provide an estimated annualized figure, the New Account First Year APY, based on your average daily collected balance. However, this blended APY is not the exact APY that you would actually receive because the current ongoing rate will change periodically over the remaining 9 months of the First Year. The New Account First-Year APY for balances from $100,000 to $10,000,000 is best expressed as a range and higher balances are accepted. The minimum deposit to open the account is $1,500. Interest rates and Annual Percentage Yields mentioned are accurate as of 3/12/2010 12:00:00 AM.
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.
Yield Pledge Money Market is a variable rate account. Our current ongoing yield may change without notice. EverBank invites first-time Yield Pledge Money Market account holders to enjoy a three month Bonus Interest Rate and New Account First-Year APY offer on their new account. The Bonus Interest Rate that is offered at account opening remains fixed for the first three months and applies to balances up to and including $50,000. If you have a balance over $50,000, those additional funds will earn the variable ongoing APY which may change at anytime- even during the first three months. As required by law, we are disclosing a blended APY that combines the Bonus Interest Rate with the current ongoing rates to provide an estimated annualized figure, the New Account First Year APY, based on your average daily collected balance. However, this blended APY is not the exact APY that you would actually receive because the current ongoing rate will change periodically over the remaining 9 months of the First Year. The New Account First-Year APY for balances from $50,001 to $10,000,000 is best expressed as a range and higher balances are accepted. The minimum deposit to open the account is $1,500. In any month that your average monthly balance falls below $5,000, an $8.95 monthly fee applies. Fees may reduce earnings. Without the bonus rate, the ongoing yield regardless of balance is 1.26%. Interest rates and Annual Percentage Yields mentioned are accurate as of 3/12/2010 12:00:00 AM.
The quoted annual percentage yield (APY) is current as of 3/12/2010 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. Penalties for early withdrawal apply. A minimum deposit of $1,500 is required to open the account. Rates may change without notice prior to account opening.
The quoted Annual Percentage Yield (APY) is current as of 3/12/2010 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. The Certificate of Deposit Account Registry Service (CDARS) offers Certificates of Deposit (CDs) that allow FDIC insurance in excess of single institution limits, subject to availability based on CD term and participation 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 Customer Care. Accounts do not fund immediately. Funds received for a CDARS account may be placed into a Yield Pledge Money Market account until your CDARS 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 CDARS account can be Placed: (1) Wire Transfers must be received by 12 p.m. ET on the Wednesday prior to Placement; (2) Cashier's Checks deposited in person must be received by 12 p.m. 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 5PM ET on the Friday prior to Placement. Deposits above single institution FDIC insurance limits will not benefit from higher insurance protection until the CDARS account is Placed. Accounts are Placed each week on Thursdays or the first Business Day thereafter. Early withdrawal penalties apply. Published rates and APYs are not applicable to CDs in excess of $5 million; please call for a rate quote.
The EverCard Visa has an Annual Percentage Rate (APR) for purchases of 9.90%, an APR for cash advances of 18.90%, and a default APR of 20.90%. The APRs are current as of 3/12/2010 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 3/12/2010 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 line of credit is subject to credit approval and is only available to customers with a FreeNet or Basic Checking Account.
EverBank is an FDIC insured federal savings association. The standard FDIC insurance amount of $250,000 is in effect through December 31, 2013. On January 1, 2014 the standard FDIC insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor. 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. The amount of deposit insurance available for funds denominated in foreign currency will be determined and paid in the United States dollar equivalent of the foreign currency on the institution's date of default. As with all investments, you 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.
Rates as of 3/12/2010 12:00:00 AM. Rates may change at any time prior to the opening of the CD. 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 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.
Rates as of 3/12/2010 12:00:00 AM. Rates may change at any time prior to the opening of the CD. 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 gains or losses that may occur due to fluctuations in the currency market. Interest earned on your Basket 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 Basket 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.
Rates as of 3/12/2010 12:00:00 AM. The stated APY does not reflect the potential gains or losses that may occur due to fluctuations in the currency market. Interest earned is paid in the currency in which your account is denominated. 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 special Chinese renminbi accounts, the minimum opening deposit is $10,000 or foreign equivalent. This account is eligible to earn interest when the balance exceeds $10,000. Fees may reduce earnings.
The quoted annual percentage yield (APY) is current as of 3/12/2010 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.
Business Interest Checking is a tiered, variable rate account. All of our current ongoing yields and tiers may change without notice. EverBank invites first-time Business Interest Checking account holders to enjoy a three month Bonus Interest Rate and New Account First Year APY offer on their new account. The Bonus Interest Rate that is offered at account opening remains fixed for the first three months and applies to balances up to $100,000. If you have a balance of $100,000 or more: those additional funds will earn the variable ongoing APY for our highest tier which may change anytime- even during the first three months. As required by law, we are disclosing a blended APY that combines the Bonus Interest Rate with the current ongoing rates to provide an estimated annualized figure, the New Account First Year APY, based on your average daily collected balance. However, this blended APY is not the exact APY that you would actually receive because the current ongoing rate will change periodically over the remaining 9 months of the First Year. The New Account First-Year APY for balances from $100,000 to $10,000,000 is best expressed as a range and higher balances are accepted. The minimum deposit to open the account is $1,500. In any month that your average monthly balance falls below $5,000 a $14.95 monthly fee applies. Fees may reduce earnings. Interest rates and Annual Percentage Yields mentioned are accurate as of 3/12/2010 12:00:00 AM.
The annual percentage yield (APY) for the account is current as of 3/12/2010 12:00:00 AM is variable and may change after the account is opened. Fees may reduce earnings. A minimum deposit of $1500 is required to open the account. In any month that your average monthly falls below $5000 a $14.95 monthly fee applies.
The quoted Annual Percentage Rate (APR) is current as of 3/12/2010 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.