Presence Bank deposit products: 
| Minimum deposit to open account | Minimum balance to obtain APY | Rate | APY* | |
|---|---|---|---|---|
| CDS | ||||
| 06 MONTHS CERTIFICATE | $250.00 | $0.00 | 3.83% | 3.90% |
| 10-13 MONTHS CERTIFICATE | $250.00 | $0.00 | 3.974% | 4.05% |
| 12 MONTHS CERTIFICATE | $250.00 | $0.00 | 3.585% | 3.65% |
| 18 MONTHS CERTIFICATE | $250.00 | $0.00 | 3.68% | 3.75% |
| 24 MONTHS CERTIFICATE | $250.00 | $0.00 | 3.68% | 3.75% |
| 30 MONTHS CERTIFICATE | $250.00 | $0.00 | 2.03% | 2.05% |
| 36 MONTHS CERTIFICATE | $250.00 | $0.00 | 1.77% | 1.79% |
| 42 MONTHS CERTIFICATE | $250.00 | $0.00 | 0.85% | 0.85% |
| 48 MONTHS CERTIFICATE | $250.00 | $0.00 | 0.65% | 0.65% |
| 60 MONTHS CERTIFICATE | $250.00 | $0.00 | 0.85% | 0.85% |
| 72 MONTHS CERTIFICATE | $250.00 | $0.00 | 0.90% | 0.90% |
| 84 MONTHS CERTIFICATE | $250.00 | $0.00 | 1.05% | 1.06% |
| CHECKING | ||||
| GOLD BUSINESS CHECKING | $100.00 | |||
| Range: $0.00-$4,999.99 | $0.00 | 0.10% | 0.10% | |
| Range: $5,000.00-$99,999.99 | $5,000.00 | 0.15% | 0.15% | |
| Range: $100,000.00-$149,999.99 | $100,000.00 | 0.20% | 0.20% | |
| Range: $150,000.00-$199,999.99 | $150,000.00 | 0.25% | 0.25% | |
| Range: $200,000.00-$99,999,999,999.99 | $200,000.00 | 0.30% | 0.30% | |
| LIFE CHECKING | $100.00 | |||
| Range: $500.00-$24,999.99 | $500.00 | 0.10% | 0.10% | |
| Range: $25,000.00-$99,999,999,999.99 | $25,000.00 | 0.15% | 0.15% | |
| MUNICIPAL CHECKING | $100.00 | |||
| Range: $5,000.00-$99,999.99 | $5,000.00 | 0.10% | 0.10% | |
| Range: $100,000.00-$149,999.99 | $100,000.00 | 0.20% | 0.20% | |
| Range: $150,000.00-$199,999.99 | $150,000.00 | 0.25% | 0.25% | |
| Range: $200,000.00-$99,999,999,999.99 | $200,000.00 | 0.30% | 0.30% | |
| NOT-FOR-PROFIT CHECKING | $100.00 | |||
| Range: $0.00-$99.99 | $0.00 | 0.10% | 0.12% | |
| Range: $100.00-$499.99 | $100.00 | 0.15% | 0.15% | |
| Range: $500.00-$24,999.99 | $500.00 | 0.20% | 0.20% | |
| Range: $25,000.00-$99,999,999,999.99 | $25,000.00 | 0.30% | 0.30% | |
| REWARDS CHECKING | $100.00 | |||
| Range: $500.00-$24,999.99 | $500.00 | 0.10% | 0.10% | |
| Range: $25,000.00-$99,999,999,999.99 | $25,000.00 | 0.15% | 0.15% | |
| MONEY MARKET | ||||
| BUSINESS MONEY MARKET | $1,000.00 | |||
| Range: $2,500.00-$149,999.99 | $2,500.00 | 0.15% | 0.15% | |
| Range: $150,000.00-$249,999.99 | $150,000.00 | 0.25% | 0.25% | |
| Range: $250,000.00-$99,999,999,999.99 | $250,000.00 | 0.45% | 0.45% | |
| MONEY MARKET | $2,500.00 | |||
| Range: $2,500.00-$149,999.99 | $2,500.00 | 0.15% | 0.15% | |
| Range: $150,000.00-$249,999.99 | $150,000.00 | 0.25% | 0.25% | |
| Range: $250,000.00-$99,999,999,999.99 | $250,000.00 | 0.45% | 0.45% | |
| MUNICIPAL MONEY MARKET | $1,000.00 | |||
| Range: $2,500.00-$149,999.99 | $2,500.00 | 0.15% | 0.15% | |
| Range: $150,000.00-$249,999.99 | $150,000.00 | 0.25% | 0.25% | |
| Range: $250,000.00-$99,999,999,999.99 | $250,000.00 | 0.45% | 0.45% | |
| NOT-FOR PROFIT MONEY MARKET | $1,000.00 | |||
| Range: $2,500.00-$149,999.99 | $2,500.00 | 0.15% | 0.15% | |
| Range: $150,000.00-$249,999.99 | $150,000.00 | 0.25% | 0.25% | |
| Range: $250,000.00-$99,999,999,999.99 | $250,000.00 | 0.45% | 0.45% | |
| SAVINGS | ||||
| KIDS SAVINGS | $10.00 | |||
| Range: $0.00-$99.99 | $0.00 | 0.10% | 0.12% | |
| Range: $100.00-$499.99 | $100.00 | 0.10% | 0.10% | |
| Range: $500.00-$24,999.99 | $500.00 | 0.10% | 0.10% | |
| Range: $25,000.00-$99,999,999,999.99 | $25,000.00 | 0.10% | 0.10% | |
| SAVINGS | $100.00 | |||
| Range: $0.00-$99.99 | $0.00 | 0.05% | 0.00% | |
| Range: $100.00-$499.99 | $100.00 | 0.05% | 0.05% | |
| Range: $500.00-$24,999.99 | $500.00 | 0.10% | 0.10% | |
| Range: $25,000.00-$99,999,999,999.99 | $25,000.00 | 0.20% | 0.20% |
Posted rates are as of 10/24/2025
APY – Annual Percentage Yield. Rates are subject to change without notice. A penalty will be imposed for early withdrawal. Fees could reduce earnings on the account. Rates are current through the date of this issue. Member FDIC.
