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PERSONAL

Savings

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Installment Savings Regular Savings Money Market VIP Money Market Special Money Market
Description Savings account that allows recurring transfers in fixed amounts to cash out later3 Basic interest bearing savings account offering with liquidity of funds Interest bearing account featuring limited check writing Interest bearing account featuring limited check writing, and the option to earn a higher interest when a higher balance is maintained Interest bearing account featuring limited check writing
Minimum Opening Deposit First monthly installment $100 $2,500 $100,000 $100,000
Monthly Service Charge None $5 $10 and $0.25 per debit transaction $20 and $0.25 per debit transaction $30 and $0.25 per debit transaction
Account Restrictions Early withdrawal penalty: one (1) month’s interest $10 per debit when exceeds six (6) transfers and/or withdrawals2 $10 per debit when exceeds six (6) transfers and/or withdrawals2 $10 per debit when exceeds six (6) transfers and/or withdrawals2 $10 per debit when exceeds six (6) transfers and/or withdrawals2
To Waive Monthly Service Charge N/A Maintain daily balance $500 Maintain daily balance $2,500
or
Average daily balance $5,000		 Maintain daily balance $20,000
or
Average daily balance $100,000		 Maintain daily balance $100,000
or
Average daily balance $300,000
Earns Interest Yes1 Yes1 Yes1 Yes1 Yes1
Compounded Daily Daily Monthly Monthly Monthly
Interest Payment Frequency Quarterly Quarterly Monthly Monthly Monthly
Internet Banking with Bill Pay Yes Yes Yes Yes Yes
Mobile Banking Yes Yes Yes Yes Yes
Telephone Banking Yes Yes Yes Yes Yes

1 Interest rate and annual percentage yield may change. If account is closed before the interest is credited, accrued interest will not be paid.

2 Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. Otherwise, no more than six (6) transfers and withdrawals or a combination of such transfers and withdrawals per calendar month or statement cycle are permitted.

3 Minimum contract amount is $1,000 and maximum contract amount is $100,000. Must make monthly installment payments; otherwise it may reduce both the interest and withdrawal amounts.

For further account details, please contact or visit your nearest Pacific City Bank branch representative.
Regular Installment Savings (without automatic transfer)
Amount/Month 12 18 24 30 36 48 60
APY (%) 1.01% 1.01% 1.26% 1.26% 1.51% 1.77% 2.02%
Rate (%) 1.00% 1.00% 1.25% 1.25% 1.50% 1.75% 2.00%
$1,000.00 $82.88 $55.12 $41.13 $32.80 $27.14 $20.10 $15.83
$5,000.00 $414.41 $275.58 $205.63 $163.99 $135.70 $100.49 $79.17
$10,000.00 $828.83 $551.17 $411.27 $327.98 $271.41 $200.98 $158.34
$15,000.00 $1,243.24 $826.75 $616.90 $491.97 $407.11 $301.47 $237.52
$20,000.00 $1,657.65 $1,102.34 $822.53 $655.96 $542.81 $401.97 $316.69
$25,000.00 $2,072.07 $1,377.92 $1,028.16 $819.95 $678.52 $502.46 $395.86

Installment Savings Rates effective as of January 1, 2017

We offer higher interest rates if you set up an automatic transfer from another account with Pacific City Bank.

For further account details, please contact or visit your nearest Pacific City Bank branch representative.