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Rates

CASH MANAGEMENT ACCOUNTS
Interest Bearing Checking (IBC)*
ACCOUNT BALANCE RATE APY1
$0 - $999.99 0.04999% 0.05%
$1,000 - $4,999.99 0.04999% 0.05%
$5,000 - $9,999.99 0.04999% 0.05%
$10,000 - $49,999.99 0.09995% 0.05%
$50,000 - $99,999.99 0.09995% 0.10%
$100,000+ 0.14990% 0.15%
$1,000,000+ 0.14990% 0.15%
*Minimum Balance to open an Interest Bearing Checking Account is $1,000. Minimum to obtain APY is $0.01. Minimum Balance to open a Money Market Account is $5,000. Minimum to obtain APY is $0.01.
1The Annual Percentage Yields shown on this product information sheet are subject to change without notice. The Annual Percentage Yields (APY) for these accounts are variable and may change after the account opens. Fees may reduce earnings.
Money Market Account (MMA)*
ACCOUNT BALANCE RATE APY1
$0 - $9,999.99 0.09995% 0.10%
$10,000 - $24,999.99 0.09995% 0.10%
$25,000 - $49,999.99 0.14990% 0.15%
$50,000 - $99,999.99 0.14990% 0.15%
$100,000 - $499,999.99 0.19982% 0.20%
$500,000 - $999,999.99 0.19982% 0.20%
$1,000,000+ 0.29959% 0.30%
*Minimum Balance to open an Interest Bearing Checking Account is $1,000. Minimum to obtain APY is $0.01. Minimum Balance to open a Money Market Account is $5,000. Minimum to obtain APY is $0.01.
1The Annual Percentage Yields shown on this product information sheet are subject to change without notice. The Annual Percentage Yields (APY) for these accounts are variable and may change after the account opens. Fees may reduce earnings.
FIXED RATE CERTIFICATES OF DEPOSIT
TERM RATE < $100,000 APY*<$100,000 RATE $100,000+ APY* $100,000+
1 MONTH 0.03000% 0.03% 0.04999% 0.05%
3 MONTHS 0.06998% 0.07% 0.09995% 0.10%
6 MONTHS 0.11993% 0.12% 0.14990% 0.15%
12 MONTHS 0.19982% 0.20% 0.24971% 0.25%
24 MONTHS 0.29959% 0.30% 0.34944% 0.35%
36 MONTHS 0.54862% 0.55% 0.59836% 0.60%
60 MONTHS 1.24290% 1.25% 1.48979% 1.50%

*The Annual Percentage Yield (APY) assumes principal and interest will remain on deposit until maturity. A withdrawal will reduce earnings. A penalty may be imposed for early withdrawal. Minimum opening deposit is $5,000.00.

HOME EQUITY LINES OF CREDIT
As of 09/27/2018 Prime was 5.25% LTV: Up to 70% LTV: 70.01% - 80% LTV: 80.01% - 85% LTV: 85.01% - 90%
Line of Credit APR4,3 APR4,3 APR4,3 APR4,3
$0-$99,999.99 Prime + 0.50% Prime + 1.25% Prime + 2.00% Prime +3.00%
$100,000 - $500,000 Prime Prime + 0.75% Prime + 1.50% Prime +2.50%
Line of Credit Min APR Min APR Min APR Min APR
$0-$99,999.99 4.50% 5.00% 6.50% 7.75%
$100,000 - $500,000 4.50% 5.00% 6.50% 7.75%
30.2500% rate reduction for direct debit of monthly payment from a qualifying MetCap account is included in the APRs.
4The Annual Percentage Rates (APRs) on Met Cap Bank's Home Equity Lines of Credit are tied to Prime. Prime is the highest Prime Rate as published in the "Money Rates" section of The Wall Street Journal. The margin tied to Prime varies and depends on the approved credit line amount and combined loan-to-value. On 09/27/2018, Prime was 5.25% and the APR on Met Cap Bank's Home Equity Line of Credit products varied between 4.50% and 7.75%. Prime is a variable rate; as it changes, the APR on your account will change. The maximum APR is 25%. A balloon payment will result at the end of the 5-year draw period. The Home Equity Lines are limited to owner-occupied, 1-4 family primary residences and are subject to either a first or second lien position on your property. You must carry insurance on the property that secures this loan. Flood insurance is required if necessary. Consult your tax advisor concerning the deductibility of interest. Closing costs paid by Met Cap Bank are limited to appraisal, title insurance, flood certification and recording fees. Any additional fees or conditions imposed by the city, state, county or other private entities (i.e.-associations, etc.) that the subject property is located in will be the borrower's responsibility. The APRs are subject to change without notice. The HELOC finance charge is computed using Average Balance" ; The APRs are subject to change without notice. The HELOC finance charge is computed using Average Balance. Rates Accurate as of: 10/31/2018





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