Rates

Internet CD/IRA Interest Rates For New Deposits 

Effective July 22, 2008

Minimum Deposit: $5,000.00

Term	Rate*	APY**
1 Month	2.76	2.80
2 Month	2.81	2.85
3 Month	3.20	3.25
6 Month	3.54	3.60
9 Month	3.63	3.70
1 Year	4.16	4.25
18 Month	4.11	4.20
2 Year	4.21	4.30
3 Year	4.50	4.60
4 Year	4.69	4.80
5 Year	4.88	5.00

* These interest rates are valid for New Deposit customers in NC, GA, FL, AL, IL, and TX only. These rates are subject to change at any time.

** Annual Percentage Yield (APY) assumes that interest remains on deposit. A penalty may be imposed for early withdrawal.

NEW!  The Bump-Up CD

The Bump-Up CD is our newest CD.  It is a 2 year CD that allows you to adjust the rate one time during the term of the CD.  If rates rise during the term, then simply adjust the rate to the prevailing Bump-Up CD rate.  The entire balance will begin earning the higher rate the day following the request. 

Minimum Deposit: $5,000.00

Rate*:  3.92%    APY**: 4.00%

*This interest rate is valid for New Deposit customers in NC, GA, FL, AL, IL, and TX only.  This rate is accurate as of July 22, 2008 and is subject to change at any time.  Bump-Up CD is not applicable to Individual Retirement Accounts.  Bump-Up CDs are non-renewable.

**Annual Percentage Yield (APY) assumes that interest remains on deposit.  A penalty may be imposed for early withdrawal. 

Featured Rate:

Platinum Money Market Account

Minimum Deposit: $5,000.00

Balance	APY*
$0-$9,999	1.00% APY
$10,000-$24,999	2.10% APY
$25,000-$49,999	3.70% APY
$50,000-$99,999	3.80% APY
$100,000-$999,999	3.85% APY
$1,000,000+	3.85% APY

* Annual Percentage Yield (APY) is accurate as of July 22, 2008. This offer is available for a limited time only and rates are subject to change at anytime and without notice. Customers must maintain an open and active Omni Advantage checking account or an Omni Business checking account to qualify for Platinum Money Market account and rates. Fees may reduce earnings. Talk to a Personal Banker for more details.