Rates

eMoney Market

2.01% APY Guaranteed for 1 Year*

A fixed, 1 year introductory APY is available to clients opening a new VirtualBank eMoney Market account with new money not currently held by VirtualBank. Accounts opened and initially funded with money transferred from an existing VirtualBank account are not eligible for the 1-year introductory period APY.

After the 1-year introductory period, interest rates and APYs will be adjusted to the standard eMoney Market rates in effect. eMoney Market interest rates and APYs are variable, based on account balances, and subject to change daily without notice. Standard eMoney Market rates are disclosed below.

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Standard eMoney Market Rates

If your daily balance is:	Interest Rate Paid	Annual Percentage Yield*
$.01 - $9,999.99	0.80%	0.80%
$10,000 - $24,999.99	0.80%	0.80%
$25,000 - $49,999.99	0.80%	0.80%
$50,000 - $99,999.99	0.80%	0.80%
$100,000 - $249,999.99	0.80%	0.80%
$250,000 or more	0.80%	0.80%

Jumbo eMoney Market

If your daily balance is:	Interest Rate Paid	Annual Percentage Yield*
$.01 - $249,999.99	0.25%	0.25%
$250,000 or more	0.90%	0.90%

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eCD

CD term	Interest Rate Paid	Annual Percentage Yield**
1 Month	0.15%	0.15%	Open Now
2 Month	0.15%	0.15%	Open Now
3 Month	1.75%	1.77%	Open Now
6 Month	2.28%	2.31%	Open Now
9 Month	2.16%	2.18%	Open Now
12 Month	2.82%	2.86%	Open Now
18 Month	1.56%	1.57%	Open Now
24 Month	3.01%	3.06%	Open Now
36 Month	2.97%	3.01%	Open Now
48 Month	1.77%	1.79%	Open Now
60 Month	3.00%	3.05%	Open Now

eChecking***

If your daily balance is:	Interest Rate Paid	Annual Percentage Yield*
Under $2,500	0.25%	0.25%
$2,500 - $9,999.99	0.30%	0.30%
$10,000 - $24,999.99	0.35%	0.35%
$25,000 - $49,999.99	0.50%	0.50%
$50,000 and up	0.65%	0.65%

*APY (Annual Percentage Yield) is accurate as of 3/28/18, and is subject to change. A fixed, 1 year introductory APY is available to clients opening a new VirtualBank eMoney Market account with new money not currently held by VirtualBank. Accounts opened and initially funded with money transferred from an existing VirtualBank account are not eligible for the 1-year introductory period APY. All products and services are subject to approval, including credit approval. After the 1-year introductory period, interest rates and APYs will be adjusted to the standard eMoney Market rates in effect. eMoney Market interest rates and APYs are variable, based on account balances, and subject to change daily without notice. Standard eMoney Market rates are above. Interest will be compounded and credited to your account every month. Under existing federal regulations, you may make a maximum of six preauthorized transfers (including telephone transfers and automatic transfers) from your money market account each month. Federal regulations also require that accounts that continue to violate these limits after being contacted by the Bank, must be permanently converted to an eChecking Account with no ATM/Debit card, or be closed. An excessive withdrawal fee of $15 applies per transaction over six from a VirtualBank money market account. Fees are subject to change and may reduce earnings; please refer to the most current Rate and Fee Schedule for more information

The interest rates and annual percentage yields (APY) are subject to change daily without notice. Penalty may be imposed for early withdrawal of CDs.

**eCD: Interest will be compounded daily and added back to principal every quarter (3 months). Fees are subject to change and may reduce earnings; please refer to the most current Rate and Fee Schedule for more information.

eChecking: We compound and credit interest earned monthly (at the end of each statement cycle).

***We no longer offer the eChecking. We will continue to service the existing eChecking Accounts.

VirtualBank, a Division of IBERIABANK. Funds from IBERIABANK are not eligible for this promotion.