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Current Rates
Loan Rates
Deposit Rates

Deposit Rates

Effective Annual Percentage Yields (APY) listed are as of 11/10/2014
All interest rates are subject to change without notice.

Regular Savings
ACCOUNT TITLE INTEREST RATE APY MIN BAL. TO OBTAIN APY

SuperSaverPlus

0.150 0.150 $250.00 - $4,999.99

0.200 0.200 $5,000.00 - $9,999.99

0.250 0.250 $10,000.00 - $24,999.99

0.250 0.250 $25,000.00 and up

Passbook Savings

0.250 0.250 $100.00

Super Passbook

0.250 0.250 $250.00

IRA Savings

0.250 0.250 $250.00

Certificate Of Deposit
ACCOUNT TITLE INTEREST RATE APY MIN BAL. TO OBTAIN APY

3 Month Certificate

0.250 0.250 $1,000.00

6 Month Certificate

0.349 0.350 $1,000.00

9 Month Certificate Promo

1.045 1.050 $1,000.00

12 Month Certificate

0.499 0.500 $1,000.00
Loyalty 12 Month Certificate *

0.995

1.000

$1,000.00

16 Month Certificate Promo 0.995 1.000 $1,000.00

18 Month Certificate

0.648 0.650 $1,000.00
Loyalty 18 Month Certificate *

1.143

1.150

$1,000.00

2 Year Certificate

0.748 0.750 $1,000.00
Loyalty 2 Year Certificate *

1.242

1.250

$1,000.00

30 Month Certificate

0.896 0.900 $1,000.00

3 Year Certificate

1.489 1.500 $1,000.00

4 Year Certificate

1.735

1.750

$1,000.00

5 Year Certificate

1.981

2.000 $1,000.00

Checking Accounts
ACCOUNT TITLE INTEREST RATE APY MIN BAL. TO OBTAIN APY

Optimum Gold

0.100 0.100 $1,000.00 - $4,999.99

0.150 0.150 $5,000.00 - $9,999.99

0.200 0.200 $10,000.00 - $24,999.99
0.300 0.300 $25,000.00 & over

Optimum Gold E-Checking

0.200 0.200 $1,000.00 - $4,999.99

(Must have E-Statements to qualify)

0.200

0.200

$5,000.00 - $9,999.99
0.300

0.300

$10,000.00 - $24,999.99
0.399

0.400

$25,000.00 & over

Loyalty Checking ***

0.800 0.800 $0.00 - $99,999.99
0.400 0.400 $100,000 & over

Loyalty eStatement Checking ***

0.800 0.800 $0.00 - $99,999.99
0.500 0.500 $100,000 & over

Choice Plus Checking

0.200 0.200 $1000.00
Nifty-50 Checking

0.200

0.200

0

50 Plus Checking

0.000 0.000 0

Consumer Checking

0.000 0.000 0

"TGIF" Checking

0.000 0.000 N/A

Money Market Checking
ACCOUNT TITLE
INTEREST RATE
APY
MIN BAL. TO OBTAIN APY
Money Market
0.200
0.200
$1,000.00 - $4,999.99
0.200
0.200
$5,000.00 - $9,999.99
0.300
0.300
$10,000.00 - $24,999.99
0.449
0.450
$25,000.00 & over
E-Statement Money Market

0.200

0.200

$1,000.00 - $4,999.99
(Must have e-statement to qualify)

0.200

0.200

$5,000.00 - $9,999.99
Personal Only 0.300

0.300

$10,000.00 - $24,999.99
0.499

0.500

$25,000.00 & over
Elite MMA 0.600 0.600 $0 - $249,999.99
Personal Only 0.450 0.450 $250,000 & over
Loyalty MMA **** 0.650 0.650 $0 - $249,999.99
Personal Only 0.450 0.450 $250,000 & over
Premier MMA ***** 0.450 0.450 $1,000.00 - $24,999.99
Personal Only 1.250 1.250 $25,000.00 - $249,999.99
0.450 0.450 $250,000.00 & over
Business Money Market
0.100
0.100
$1,000.00 - $4,999.99
0.150
0.150
$5,000.00 - $24,999.99
0.449
0.450
$25,000.00 - $49,999.99
0.449
0.450
$50,000.00 - $74,999.99
0.449
0.450
$75,000.00 - $99,999.99
0.539
0.540
$100,000.00 & over
* Promo - Requires either a recurring direct deposit or one (1) bill payment monthly on new or existing Oritani checking account.
*** Requires either a recurring direct deposit or three (3) bill payments monthly
**** Requires existing or new checking account or Loyalty MMA opened in eStatement format.
***** Rates Guaranteed through August 2, 2015 then converts to a regular Money Market account. Requires either a recurring direct deposit or three (3) bill payments from this account or existing Oritani checking account.
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