Deposits Products and Interest Rate Charts

New York
Rates Information
 New Jersey
Rates Information		 California
Rates Information		 Washington
Rates Information
 
 

 

Our Retail Banking Group emphasizes efficient and convenient banking services to our customers. Following is the schedule of our deposit plans (effective October 24, 2005)*:

Type of Account Eligibility Minimum
Opening
Balance
1. REGULAR CHECKING
Free Checking Individuals None
Personal Checking Individuals $500.00
Free Small Business Checking All Businesses $100.00
Business Checking - Regular All Businesses $3,000.00
Business Checking - Analyzed All Businesses $3,000.00
Senior Citizen Checking
(with direct deposit)		 Individuals (62+) None
2. INTEREST CHECKING
PLUS Checking Individuals; Sole Ownership;
Non-Profit Organization		 $1,000.00
Traditional PLUS Checking (Residents of New York State only) $1,000.00
ePLUS Checking $2,000.00
SuperPLUS Checking $1,500.00
Max-Value Checking $3,500.00
Attorney/Client Trust Account (IOLTA) ~ California and Washington Or Interest On Lawyers Account (IOLA) ~ New York and New Jersey Attorneys and law firms that receive and disburse client funds of nominal amount that are on deposit for short period of time $1,000.00
3. MONEY MARKET DEPOSIT ACCOUNT (MMDA) & SAVINGS
Regular Money Market Deposit Account Individuals; All Businesses $2,000.00
Passbook Savings ~ New York, New Jersey Individuals $500.00
Statement Savings Individuals; All Businesses $500.00
Business Plus Savings All Businesses $3,000.00
4. TIME CERTIFICATE OF DEPOSIT (TCD)
TCD (7-29 Days) Individuals; All Businesses $50,000.00
TCD (30-359 Days) $1,500.00
TCD (1 year and up) $1,500.00
5. INDIVIDUAL RETIREMENT ACCOUNT (IRA) Individuals $100.00


* Some restrictions may apply. For more detailed information regarding our deposit product fee schedule, please contact the branch nearest you.

Deposits Products and Interest Rate Charts

CHINATRUST BANK (U.S.A.)
NEW YORK RATE BULLETIN
EFFECTIVE October 24, 2005
PRODUCT NAME MINIMUM
OPENING
BALANCE		 CURRENT
RATE (%)		 CURRENT
APY (%)
----------------------------------------------------------------- --------------- --------------- ---------------
DEMAND DEPOSITS ACCOUNTS:
'************************************************ ************ ************ ************
FREEDOM BANKING $0.00 0.00 0.00
.
PERSONAL CHECKING $500.00 0.00 0.00
.
BUSINESS CHECKING REGULAR $3,000.00 0.00 0.00
BUSINESS CHECKING ANALYZED $3,000.00 0.00 0.00
.
SENIOR CITIZEN CHECKING WITH DIRECT DEPOSIT $0.00 0.00 0.00
.
PLUS CHECKING ACCOUNTS $1,000.00 0.10 0.10
.
ePLUS CHECKING ACCOUNTS $2,000.00
.
($0 TO $1,999.99)
0.05
0.05
($2,000.00 AND UP)
0.10
0.10
 
SUPER PLUS CHECKING ACCOUNTS $1,500.00 .
($0 TO $1,499.99) 0.05 0.05
($1,500.00 TO $39,999.99) 0.10 0.10
($40,000.00 AND UP) 0.20 0.20
.
MAX-VALUE CHECKING ACCOUNTS $3,500.00 .
($0 TO $3,499.99) 0.10 0.10
($3,500.00 TO $9,999.99) 0.15 0.15
($10,000.00 TO $49,999.99) 0.25 0.25
($50,000.00 TO $99,999.99) 0.45 0.45
($100,000.00 TO $299,999.99) 0.60 0.60
($300,000.00 AND UP) 0.75 0.75
.
INTEREST ON LAWYERS ACCOUNT $1,000.00 0.10 0.10
.
MONEY MARKET DEPOSIT ACCOUNTS:
'************************************************ ************ ************ ************
MONEY MARKET
DEPOSIT ACCOUNT		 $2,000.00 .
($0 TO $1,999.99) 0.10 0.10
($2,000.00 TO $7,499.99) 0.30 0.30
($7,500.00 TO $14,999.99) 0.50 0.50
($15,000.00 TO $44,999.99) 0.70 0.70
($45,000.00 TO $99,999.99) 1.00 1.00
($100,000.00 TO $499,999.99) 1.39 1.40
($500,000.00 TO $2,499,999.99) 1.39 1.40
($2,500,000.00 TO $4,999,999.99) 1.79 1.80
($5,000,000.00 TO $9,999,999.99) 2.23 2.25
($10,000,000.00 AND UP) 2.72 2.75
.
SAVINGS ACCOUNTS:
'************************************************ ************ ************ ************
PASSBOOK SAVINGS ACCOUNT $500.00 0.40 0.40
.
STATEMENT SAVINGS ACCOUNT $500.00 0.40 0.40
.
BUSINESS PLUS SAVINGS ACCOUNT $3,000.00 .
($0 TO $1,999.99) 0.10 0.10
($2,000.00 TO $9,999.99) 0.25 0.25
($10,000.00 TO $99,999.99) 0.50 0.50
($100,000.00 AND UP) 0.65 0.65
The rate and annual percentage yield on any of the above accounts may change after the account is opened.
.
CERTIFICATES OF DEPOSIT: A penalty may be imposed for early withdrawal.
'************************************************ ************ ************ ************
TCD 7 TO 29 DAYS $50,000.00 .
($50,000.00 TO $99,999.99) 0.75 0.75
($100,000.00 AND UP) 1.00 1.00
.
TCD 30 TO 59 DAYS $1,500.00 .
($1,500.00 TO $99,999.99) 1.44 1.45
($100,000.00 AND UP) 1.73 1.75
.
TCD 60 TO 89 DAYS $1,500.00 .
($1,500.00 TO $99,999.99) 1.59 1.60
($100,000.00 AND UP) 1.98 2.00
.
TCD 90 TO 179 DAYS $1,500.00 .
($1,500.00 TO $99,999.99) 2.57 2.60
($100,000.00 AND UP) 2.71 2.75
.
TCD 180 TO 269 DAYS $1,500.00 .
($1,500.00 TO $99,999.99) 2.66 2.70
($100,000.00 AND UP) 2.76 2.80
.
TCD 270 TO 359 DAYS $1,500.00 .
($1,500.00 TO $99,999.99) 2.76 2.80
($100,000.00 AND UP) 2.86 2.90
 
TCD 360 TO 719 DAYS $1,500.00 .
($1,500.00 TO $99,999.99) 3.54 3.60
($100,000.00 TO $999,999.99) 3.78 3.85
($1,000,000.00 AND UP) 3.78 3.85
.
TCD 720 DAYS TO 1079 DAYS $1,500.00 .
($1,500.00 TO $99,999.99) 3.73 3.80
($100,000.00 AND UP) 3.87 3.95
.
TCD 1080 DAYS AND UP $1,500.00 .
($1,500.00 TO $99,999.99) 3.73 3.80
($100,000.00 AND UP) 3.87 3.95
.
INDIVIDUAL RETIREMENT ACCOUNTS:
'************************************************ ************ ************ ************
TCD 1 YEAR $100.00 3.45 3.51
.
TCD 2 YEAR $100.00 3.69 3.76
.
CURRENT TCD PROMOTIONS:
'************************************************ ************ ************ ************
.
* "APY" is the "Annual Percentage Yield."  The APY is accurate as of October 24, 2005.

Rates are subject to change without prior notice.

Fees could reduce earnings on the account.  For current information contact your CHINATRUST BANK (U.S.A.) branch.

CHINATRUST BANK (U.S.A.) is a member of the FDIC.

CHINATRUST BANK (U.S.A.)
NEW JERSEY RATE BULLETIN
EFFECTIVE October 24, 2005
PRODUCT NAME MINIMUM
OPENING
BALANCE		 CURRENT
RATE (%)		 CURRENT
APY (%)
----------------------------------------------------------------- --------------- --------------- ---------------
DEMAND DEPOSIT ACCOUNTS:
'************************************************ ************ ************ ************
FREEDOM BANKING $0.00 0.00 0.00
.
PERSONAL CHECKING $500.00 0.00 0.00
.
BUSINESS CHECKING REGULAR $3,000.00 0.00 0.00
BUSINESS CHECKING ANALYZED $3,000.00 0.00 0.00
.
SENIOR CITIZEN CHECKING WITH DIRECT DEPOSIT $0.00 0.00 0.00
.
PLUS CHECKING ACCOUNT $1,000.00 0.10 0.10
.
ePLUS CHECKING ACCOUNTS $2,000.00
.
($0 TO $1,999.99)
0.05
0.05
($2,000.00 AND UP)
0.10
0.10
.
SUPER PLUS CHECKING ACCOUNT $1,500.00 .
($0 TO $1,499.99) 0.05 0.05
($1,500.00 TO $39,999.99) 0.10 0.10
($40,000.00 AND UP) 0.20 0.20
.
MAX-VALUE CHECKING ACCOUNTS $3,500.00 .
($0 TO $3,499.99) 0.10 0.10
($3,500.00 TO $9,999.99) 0.15 0.15
($10,000.00 TO $49,999.99) 0.25 0.25
($50,000.00 TO $99,999.99) 0.45 0.45
($100,000.00 TO $299,999.99) 0.60 0.60
($300,000.00 AND UP) 0.75 0.75
.
INTEREST ON LAWYERS ACCOUNT $1,000.00 0.10 0.10
.
MONEY MARKETS DEPOSIT ACCOUNTS:
'************************************************ ************ ************ ************
MONEY MARKET
DEPOSIT ACCOUNT		 $2,000.00 .
($0 TO $1,999.99) 0.10 0.10
($2,000.00 TO $7,499.99) 0.30 0.30
($7,500.00 TO $14,999.99) 0.50 0.50
($15,000.00 TO $44,999.99) 0.70 0.70
($45,000.00 TO $99,999.99) 1.00 1.00
($100,000.00 TO $499,999.99) 1.39 1.40
($500,000.00 TO $2,499,999.99) 1.39 1.40
($2,500,000.00 TO $4,999,999.99) 1.79 1.80
($5,000,000.00 TO $9,999,999.99) 2.23 2.25
($10,000,000.00 AND UP) 2.72 2.75
.
SAVINGS ACCOUNTS:
'************************************************ ************ ************ ************
PASSBOOK SAVINGS ACCOUNTS $500.00 0.40 0.40
.
STATEMENT SAVINGS ACCOUNTS $500.00 0.40 0.40
.
BUSINESS PLUS SAVINGS ACCOUNTS $3,000.00 .
($0 TO $1,999.99) 0.10 0.10
($2,000.00 TO $9,999.99) 0.25 0.25
($10,000.00 TO $99,999.99) 0.50 0.50
($100,000.00 AND UP) 0.65 0.65
The rate and annual percentage yield on any of the above accounts may change after the account is opened.
.
CERTIFICATES OF DEPOSIT: A penalty may be imposed for early withdrawal.
'************************************************ ************ ************ ************
TCD 7 TO 29 DAYS $50,000.00 .
($50,000.00 TO $99,999.99) 0.75 0.75
($100,000.00 AND UP) 1.00 1.00
.
TCD 30 TO 59 DAYS $1,500.00 .
($1,500.00 TO $99,999.99) 1.44 1.45
($100,000.00 AND UP) 1.73 1.75
.
TCD 60 TO 89 DAYS $1,500.00 .
($1,500.00 TO $99,999.99) 1.59 1.60
($100,000.00 AND UP) 1.98 2.00
.
TCD 90 TO 179 DAYS $1,500.00 .
($1,500.00 TO $99,999.99) 2.57 2.60
($100,000.00 AND UP) 2.71 2.75
.
(TCD 180 TO 269 DAYS) $1,500.00 .
($1,500.00 TO $99,999.99) 2.66 2.70
($100,000.00 AND UP) 2.76 2.80
.
TCD 270 TO 359 DAYS $1,500.00 .
($1,500.00 TO $99,999.99) 2.76 2.80
($100,000.00 AND UP) 2.86 2.90
.
TCD 360 TO 719 DAYS $1,500.00 .
($1,500.00 TO $99,999.99) 3.54 3.60
($100,000.00 TO $999,999.99) 3.78 3.85
($1,000,000.00 AND UP) 3.78 3.85
.
TCD 720 DAYS TO 1079 DAYS $1,500.00 .
($1,500.00 TO $99,999.99) 3.73 3.80
($100,000.00 AND UP) 3.87 3.95
.
TCD 1080 DAYS AND UP $1,500.00 .
($1,500.00 TO $99,999.99) 3.73 3.80
($100,000.00 AND UP) 3.87 3.95
.
INDIVIDUAL RETIREMENT ACCOUNTS:
'************************************************ ************ ************ ************
TCD 1 YEAR $100.00 3.45 3.51
.
TCD 2 YEAR $100.00 3.69 3.76
.
CURRENT PROMOTIONS:
'************************************************ ************ ************ ************
* "APY" is the "Annual Percentage Yield."  The APY is accurate as of October 24, 2005.

Rates are subject to change without prior notice.

Fees could reduce earnings on the account.  For current information contact your CHINATRUST BANK (U.S.A.) branch.

CHINATRUST BANK (U.S.A.) is a member of the FDIC.

CHINATRUST BANK (U.S.A.)
CALIFORNIA RATE BULLETIN
EFFECTIVE October 24, 2005
PRODUCT NAME MINIMUM
OPENING
BALANCE		 CURRENT
RATE (%)		 CURRENT
APY (%)
----------------------------------------------------------------- --------------- --------------- ---------------
DEMAND DEPOSIT ACCOUNTS:
'************************************************ ************ ************ ************
FREEDOM BANKING $0.00 0.00 0.00
.
PERSONAL CHECKING $500.00 0.00 0.00
.
BUSINESS CHECKING REGULAR $3,000.00 0.00 0.00
BUSINESS CHECKING ANALYZED $3,000.00 0.00 0.00
.
SENIOR CITIZEN CHECKING WITH DIRECT DEPOSIT $0.00 0.00 0.00
.
PLUS CHECKING ACCOUNT $1,000.00 0.10 0.10
.
ePLUS CHECKING ACCOUNTS
$2,000.00
.
($0 TO $1,999.99)
0.05
0.05
($2,000.00 AND UP)
0.10
0.10
.
SUPER PLUS CHECKING ACCOUNT $1,500.00 .
($0 TO $1,499.99) 0.05 0.05
($1,500.00 TO $39,999.99) 0.10 0.10
($40,000.00 AND UP) 0.20 0.20
.
MAX-VALUE CHECKING ACCOUNT $3,500.00 .
($0 TO $3,499.99) 0.10 0.10
($3,500.00 TO $9,999.99) 0.15 0.15
($10,000.00 TO $49,999.99) 0.25 0.25
($50,000.00 TO $99,999.99) 0.45 0.45
($100,000.00 TO $299,999.99) 0.60 0.60
($300,000.00 AND UP) 0.75 0.75
.
ATTORNEY/CLIENT TRUST ACCOUNT $1,000.00 0.10 0.10
.
MONEY MARKET DEPOSIT ACCOUNTS:
'************************************************ ************ ************ ************
MONEY MARKET
DEPOSIT ACCOUNT		 $2,000.00 .
($0 TO $1,999.99) 0.10 0.10
($2,000.00 TO $7,499.99) 0.30 0.30
($7,500.00 TO $14,999.99) 0.50 0.50
($15,000.00 TO $44,999.99) 0.70 0.70
($45,000.00 TO $99,999.99) 1.00 1.00
($100,000.00 TO $499,999.99) 1.39 1.40
($500,000.00 TO $2,499,999.99) 1.39 1.40
($2,500,000.00 TO $4,999,999.99) 1.79 1.80
($5,000,000.00 TO $9,999,999.99) 2.23 2.25
($10,000,000.00 AND UP) 2.72 2.75
.
SAVINGS ACCOUNTS:
'************************************************ ************ ************ ************
STATEMENT SAVINGS ACCOUNT $500.00 0.40 0.40
.
BUSINESS PLUS SAVINGS ACCOUNT $3,000.00 .
($0 TO $1,999.99) 0.10 0.10
($2,000.00 TO $9,999.99 0.25 0.25
($10,000.00 TO $99,999.99) 0.50 0.50
($100,000.00 AND UP) 0.65 0.65
The rate and annual percentage yield on any of the above accounts may change after the account is opened.
.
CERTIFICATES OF DEPOSIT: A penalty may be imposed for early withdrawal.
'************************************************ ************ ************ ************
TCD 7 TO 29 DAYS $50,000.00 .
($50,000.00 TO $99,999.99) 0.75 0.75
($100,000.00 AND UP) 1.00 1.00
.
TCD 30 TO 59 DAYS $1,500.00 .
($1,500.00 TO $24,999.99) 1.44 1.45
($25,000.00 TO $99,999.99) 1.44 1.45
($100,000.00 AND UP) 1.98 2.00
.
TCD 60 TO 89 DAYS $1,500.00 .
($1,500.00 TO $24,999.99) 1.73 1.75
($25,000.00 TO $99,999.99) 1.73 1.75
($100,000.00 AND UP) 2.13 2.15
.
TCD 90 TO 179 DAYS $1,500.00 .
($1,500.00 TO $24,999.99) 2.57 2.60
($25,000.00 TO $99,999.99) 2.57 2.60
($100,000.00 AND UP) 2.71 2.75
.
TCD 180 TO 359 DAYS $1,500.00 .
($1,500.00 TO $24,999.99) 2.57 2.60
($25,000.00 TO $99,999.99) 2.57 2.60
($100,000.00 AND UP) 2.76 2.80
.
TCD 360 TO 719 DAYS $1,500.00 .
($1,500.00 TO $24,999.99) 3.54 3.60
($25,000.00 TO $99,999.99) 3.54 3.60
($100,000.00 AND $999,999.99) 3.78 3.85
($1,000,000.00 AND UP) 3.78 3.85
.
TCD 720 TO 1079 DAYS $1,500.00
($1,500.00 TO $24,999.99) 3.73 3.80
($25,000.00 TO $99,999.99) 3.73 3.80
($100,000.00 AND $999,999.99) 3.87 3.95
($1,000,000.00 AND UP) 3.87 3.95
.
TCD 1080 DAYS AND UP $1,500.00
($1,500.00 TO $99,999.99) 3.73 3.80
($1,000,000.00 AND UP) 3.87 3.95
.
INDIVIDUAL RETIREMENT ACCOUNTS:
'************************************************ ************ ************ ************
TCD 1 YEAR $100.00 3.50 3.56
 
TCD 2 YEAR $100.00 3.69 3.76
.
CURRENT PROMOTIONS:
'************************************************ ************ ************ ************
* "APY" is the "Annual Percentage Yield."  The APY is accurate as of October 24, 2005.

Rates are subject to change without prior notice.

Fees could reduce earnings on the account.  For current information contact your CHINATRUST BANK (U.S.A.) branch.

CHINATRUST BANK (U.S.A.) is a member of the FDIC.

 

CHINATRUST BANK (U.S.A.)
WASHINGTON RATE BULLETIN
EFFECTIVE October 24, 2005
PRODUCT NAME MINIMUM
OPENING
BALANCE		 CURRENT
RATE (%)		 CURRENT
APY (%)
----------------------------------------------------------------- --------------- --------------- ---------------
DEMAND DEPOSIT ACCOUNTS:
'************************************************ ************ ************ ************
FREEDOM BANKING $0.00 0.00 0.00
.
PERSONAL CHECKING $500.00 0.00 0.00
.
BUSINESS CHECKING REGULAR $3,000.00 0.00 0.00
BUSINESS CHECKING ANALYZED $3,000.00 0.00 0.00
.
SENIOR CITIZEN CHECKING WITH DIRECT DEPOSIT $0.00 0.00 0.00
.
PLUS CHECKING ACCOUNT $1,000.00 0.10 0.10
.
ePLUS CHECKING ACCOUNTS
$2,000.00
.
($0 TO $1,999.99)
0.10
0.10
($2,000.00 AND UP)
0.20
0.20
.
SUPER PLUS CHECKING ACCOUNT $1,500.00 .
($0 TO $1,499.99) 0.05 0.05
($1,500.00 TO $39,999.99) 0.10 0.10
($40,000.00 AND UP) 0.20 0.20
.
MAX-VALUE CHECKING ACCOUNT $3,500.00 .
($0 TO $3,499.99) 0.10 0.10
($3,500.00 TO $9,999.99) 0.15 0.15
($10,000.00 TO $49,999.99) 0.25 0.25
($50,000.00 TO $99,999.99) 0.45 0.45
($100,000.00 TO $299,999.99) 0.60 0.60
($300,000.00 AND UP) 0.75 0.75
.
ATTORNEY/CLIENT TRUST ACCOUNT $1,000.00 0.10 0.10
.
MONEY MARKET DEPOSIT ACCOUNTS:
'************************************************ ************ ************ ************
MONEY MARKET
DEPOSIT ACCOUNT		 $2,000.00 .
($0 TO $1,999.99) 0.10 0.10
($2,000.00 TO $7,499.99) 0.30 0.30
($7,500.00 TO $14,999.99) 0.50 0.50
($15,000.00 TO $44,999.99) 0.70 0.70
($45,000.00 TO $99,999.99) 1.00 1.00
($100,000.00 TO $499,999.99) 1.39 1.40
($500,000.00 TO $2,499,999.99) 1.39 1.40
($2,500,000.00 TO $4,999,999.99) 1.79 1.80
($5,000,000.00 TO $9,999,999.99) 2.23 2.25
($10,000,000.00 AND UP) 2.72 2.75
.
SAVINGS ACCOUNTS:
'************************************************ ************ ************ ************
STATEMENT SAVINGS ACCOUNT $500.00 0.40 0.40
.
BUSINESS PLUS SAVINGS ACCOUNT $3,000.00 .
($0 TO $1,999.99) 0.10 0.10
($2,000.00 TO $9,999.99 0.25 0.25
($10,000.00 TO $99,999.99) 0.50 0.50
($100,000.00 AND UP) 0.65 0.65
The rate and annual percentage yield on any of the above accounts may change after the account is opened.
.
CERTIFICATES OF DEPOSIT: A penalty may be imposed for early withdrawal.
'************************************************ ************ ************ ************
TCD 7 TO 29 DAYS $50,000.00 .
($50,000.00 TO $99,999.99) 0.75 0.75
($100,000.00 AND UP) 1.00 1.00
.
TCD 30 TO 59 DAYS $1,500.00 .
($1,500.00 TO $24,999.99) 1.44 1.45
($25,000.00 TO $99,999.99) 1.44 1.45
($100,000.00 AND UP) 1.98 2.00
.
TCD 60 TO 89 DAYS $1,500.00 .
($1,500.00 TO $24,999.99) 1.73 1.75
($25,000.00 TO $99,999.99) 1.73 1.75
($100,000.00 AND UP) 2.13 2.15
.
TCD 90 TO 179 DAYS $1,500.00 .
($1,500.00 TO $24,999.99) 2.57 2.60
($25,000.00 TO $99,999.99) 2.57 2.60
($100,000.00 AND UP) 2.71 2.75
.
TCD 180 TO 359 DAYS $1,500.00 .
($1,500.00 TO $24,999.99) 2.57 2.60
($25,000.00 TO $99,999.99) 2.57 2.60
($100,000.00 AND UP) 2.76 2.80
.
TCD 360 TO 719 DAYS $1,500.00 .
($1,500.00 TO $24,999.99) 3.54 3.60
($25,000.00 TO $99,999.99) 3.54 3.60
($100,000.00 AND $999,999.99) 3.78 3.85
($1,000,000.00 AND UP) 3.78 3.85
.
TCD 720 DAYS TO 1079 $1,500.00
($1,500.00 TO $24,999.99) 3.73 3.80
($25,000.00 TO $99,999.99) 3.73 3.80
($100,000.00 AND $999,999.99) 3.87 3.95
($1,000,000.00 AND UP) 3.87 3.95
.
TCD 1080 AND UP $1,500.00
($1,500.00 TO $99,999.99) 3.73 3.80
($1,000,000.00 AND UP) 3.87 3.95
.
INDIVIDUAL RETIREMENT ACCOUNTS:
'************************************************ ************ ************ ************
TCD 1 YEAR $100.00 3.50 3.56
 
TCD 2 YEAR $100.00 3.69 3.76
.
CURRENT PROMOTIONS:
'************************************************ ************ ************ ************
* "APY" is the "Annual Percentage Yield."  The APY is accurate as of October 24, 2005.

Rates are subject to change without prior notice.

Fees could reduce earnings on the account.  For current information contact your CHINATRUST BANK (U.S.A.) branch.

CHINATRUST BANK (U.S.A.) is a member of the FDIC.