Account Type

Minimum
Opening Deposit

Balance
Required To
Earn Interest

Interest Rate

Annual Percentage Yield (APY)

Free*

$   N/A

$   N/A

N/A

N/A

Interest**

$   50.00

$25.00 - 49.99

0.06%

0.06%

High Interest

$   50.00

$50.00-499.99

0.10%

0.10%

Premier

$   50.00

$500.00 +

0.15%

0.15%

US Savings

$   1.00

$1 +

1.54%

1.55%

Interest***

$   200.00

$200.00-1,999.99

0.06%

0.06%

High Interest

$   200.00

$2,000.00-14,999.99

0.10%

0.10%

Premier

$   200.00

$15,000.00-49,999.99

0.20%

0.20%

Jumbo MMA***

$   50,000.00

$50,000.00 +

0.30%

0.30%

Mileage Program
Account Type	Balance	Interest Rate	Annual Percentage Yield
Mileage Checking Accounts
	$   0 - 2,499	N/A	N/A
	$   2,500 - 9,999	0.05%	0.05%
	$   10,000 +	0.15%	0.15%
Mileage Savings Accounts
	$   0 - 9,999	0.10%	0.10%
	$   10,000 +	0.35%	0.35%

Mileage Earning Opportunities:
Open and Fund a Mileage Checking account with at least $200 = 1,000 AAdvantage® miles
Open and Fund a Mileage Savings account with at least $200 = 1,000 AAdvantage® miles
Open and Fund a UFB Direct Traveler Savings account with at least $500 and maintain a monthly average balance of $500 for 90 days = 500 AAdvantage miles
Direct Deposit on your Mileage Checking or Mileage Savings = 5,000 AAdvantage® miles
Bill Pay Annual Bonus = 5,000 AAdvantage® miles

American Airlines reserves the right to change the AAdvantage program at any time without notice. American Airlines is not responsible for products or services offered by other participating companies.  For complete details about the AAdvantage program, visit www.aa.com/aadvantage.  American Airlines and AAdvantage are registered marks of American Airlines, Inc. 

†Product not available to new customers and access restricted to customers with existing High Yield Money Market Savings accounts after 06/21/2007.

*Free checking is non-interest bearing.

**For Interest Checking Accounts with balances below $200.00, the Rate/APY will drop to 0.00%. Interest Checking Accounts will incur a $10.00 monthly service fee if the monthly average balance falls below $200.00.

***For Money Market Accounts with balances below $200.00 the Rate/APY will drop to 0.00%. The Money Market accounts will incur a $10.00 monthly service fee if the monthly average balance falls below $200.00. For Jumbo Money Market accounts with balances below $50,000.00, the Rate/APY will be calculated based on the Money Market Account tiers. The Jumbo MMA will incur the $10 monthly service fee if the monthly average balance falls below $200.00.

Interest Checking accounts are variable rate products and rates may change daily without prior notification. Waterfield Bank uses the daily balance method of computing interest, which applies a daily periodic rate to the full collected amount of principal in the account each day.
 
Savings accounts: The interest rate may vary during the life of the account, while the method of calculation, compounding and payment on interest on your account are determined by WFS.

Certificate of Deposit interest rates are fixed for the term of the account and may change during the grace period. The Certificate of Deposit annual percentage yield assumes daily compounding and that interest remains on deposit until maturity. Additional deposits are not allowed unless made in the 7 day grace period after maturity. Account will not earn interest during the grace period if a withdrawal is made. A penalty will be imposed for early withdrawal.

Annual Percentage Yield Calculation: APY = 100 {(1+Interest/Principal) ^{(365/Days in term)} -1}. For additional rules of accounts, see Terms and Conditions.