Current Rates

Loan Rates

(Effective as of 6/23/2014)
Rates Subject to Change Without Notice

Product Term APR*
New Auto** Up to 72 months 3.75% fixed
New Auto** Up to 60 months 3.50% fixed
Used Auto*** Up to 48 months 4.04% fixed
Used Auto*** Up to 36 months 3.85% fixed
Overdraft Protection Revolving 18.00% fixed
Home Equity Line of Credit Revolving Wall Street Prime Floating

*APR = Annual Percentage Rate
**New auto loans require a 10% down payment or trade in.
***For used auto loans, maximum loan that the bank will finance is the lesser of 75% of retail price or 100% of trade-in value from Kelly Blue Book, NADA, or Edmunds online.

Relationship Pricing: Customers with direct debit of loan payments from a Regal Bank & Trust deposit account (installment loans only, new & used) will receive a 25 basis point reduction while payments are taken by direct debit.

CLOSING COSTS ON HOME EQUITY AND SECOND MORTGAGES: Customers will pay all closing costs associated with settlement of home equity loans. Contact the mortgage department for further details.
Assumptions

For current Mortgage Rates, contact Matt Vinson, NMLS#504695 at 443.334.4729.

Rates, terms, and conditions are subject to change at banks sole discretion without notice.

Regal Bank & Trust, Lender NMLS #484660

Retail Checking & Savings Accounts

Description APY** Interest Rate Minimum to obtain APY**
Club25 Checking 0.05% 0.0499% $50.00
Direct Deposit Checking 0.00% 0.0000% N/A
Interest Checking 0.05% 0.0499% $250.00
Regular Checking 0.00% 0.0000% N/A
Senior Checking 0.20% 0.1998% $200.00
Smart Money 0.05% 0.0499% $1 – $2,499.00
0.15% 0.1498% $2,500.00 +
Interest rates effective 12/21/2012 are subject to change at the sole discretion of Regal Bank & Trust.
Description APY** Interest Rate Minimum to obtain APY**
Minor Savings 0.05% 0.0499% N/A
Money Market 0.05% 0.0499% $1 – $2,499.00
0.15% 0.1498% $2,500 – $9,999.00
0.35% 0.3493% $10,000.00 +
Smart Money Market 0.15% 0.1498% $1 – $49,999.00
0.35%  0.3493% $50,000 – $99,999.00
0.40% 0.3992% $100,000 – $249,999.00
0.55% 0.5485% $250,000 +
Regular Savings 0.05% 0.0499% $100.00
Interest rates effective 12/21/2012 are subject to change at the sole discretion of Regal Bank & Trust. Interest is compounded daily, credit monthly on all interest bearing accounts.

Commercial Accounts

Description APY** Interest Rate Minimum to obtain APY**
Analyzed Business Checking* 0.00% 0.0000% N/A
Non-profit Checking 0.05% 0.0499% $200 – $1,499.99
0.15% 0.1498% $1,500.00 +
Small Business Checking 0.00%  0.0000% N/A
Business Savings 0.05% 0.0499% $300 – $2,499.99
0.15% 0.1498% $2,500 – $9,999.99
0.35% 0.3493% $10,000.00 +
Business Investment 0.05% 0.0499% $1 – $2,499.00
0.15% 0.1498% $2,500.00 +
Smart Business Investment 0.15% 0.1498% $1 – $49,999.99
0.35% 0.3493% $50,000 – $99,999.99
0.40% 0.3992% $100,000 – $249,999.99
0.55% 0.5485% $250,000.00 +
Interest rates are variable and subject to change after account opening.
 *Fee may be offset by an earnings credit.  Earnings credit 1% as of 11/15/2009.
Description APY** Interest Rate Minimum to obtain APY**
6 Month CD 0.15% 0.149% $1,000.00
12 Month CD / IRA 0.25% 0.249% $1,000.00
18 Month CD / IRA 0.35% 0.349% $1,000.00
2 Year CD / IRA 0.40% 0.399% $1,000.00
3 Year CD / IRA*** 0.55% 0.549% $1,000.00
4 Year CD / IRA*** 0.75% 0.747% $1,000.00
5 Year CD / IRA*** 1.00% 0.995% $1,000.00
*Substantial penalty for early withdrawal.

*  A withdrawal prior to maturity will reduce earnings and may be subject to a penalty.
**The APY assumes interest will remain on deposit for one year.
***All 3,4, and 5 year CD offer a one time rate increase.
IRA terms: 1 – 5 years.

The Interest Rates are effective January 3, 2013 and are subject to change at sole discretion of RB&T without notice. Interest is compounded daily and credited monthly on all interest bearing accounts. The Annual Percentage Yield (APY)assumes interest will remain on deposit for one year. All Tiered Interest Rates are based on the actual balance. Fees could reduce earnings.

Promotional CD’s

New Money CD Promotion

*Opening deposit of new money not currently on deposit. All interest rates and APY’s stated are accurate as of November 4th, 2013. This is a limited time offer, with rates subject to change at any time without notice.  **Penalty for early withdrawal.  No additional deposits. ***APY = Annual Percentage Yield, which is effective 11/04/2013.

Description ***APY Interest Rate Minimum to obtain APY
New Money Promotion
13 Month
18 Month
22 Month
30 Month
CD
0.60%
0.75%
0.90%
1.00%
 CD
0.60%
0.75%
0.90%
1.00%
$1,000.00
Substantial penalty for early withdrawal.