계좌 개설하기

온라인 정기예금

보유하고 계신 현금에 대해 더 많은 수익을 가져가세요. 오늘 디지털 정기예금 계좌를 개설하세요.

계좌 개설시 디파짓 - $1,000

기간 - 12 개월

현재 이자율 보기

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Online Certificate of Deposit

0.15% - 0.25% APY*

*APY(Annual Percentage Yield)는 09/20/2021 기준입니다. 계좌 기간 동안 이자율은 변경되지 않습니다. 이자 적립과 APY 수익을 위해서는 최소 계좌 개설 디파짓 $ 1,000이 필요합니다. APY는 일일 잔고에 따라 달라질 수 있습니다. $1,000-$49,999.99는 0.15% APY, $50,000-$89,999.99는 0.20% APY, $90,000-$250,000.00는 0.25% APY가 적용됩니다. 수수료로 인해서 계좌의 수익이 줄어 들 수 있습니다. 만기 이전 조기인출에 대해서는 위약금이 부과될 수 있습니다.

Online Certificate of Deposit

0.15% - 0.25% APY*

BANK OF HOPE

TRUTH IN SAVINGS – ONLINE ACCOUNT OPENING

PRODUCT DISCLOSURE

BANK OF HOPE ONLINE CERTIFICATE OF DEPOSIT

Thank you for choosing the Bank of Hope Online Certificate of Deposit. This account allows you to earn interest at a fixed rate on the funds you leave on deposit for the term of your account. Listed below are important account features and applicable fees. Please read this disclosure for your reference. Once your application is approved and account is opened, a separate product disclosure with detailed account information will be sent to you.

Minimum Opening Deposit

$1,000.00

Maximum Opening Deposit

$250,000.00

Term

12 Months

Interest on Funds

Interest will not be compounded.
Accrual of interest begins on the business day you deposit noncash items (i.e. checks).
The daily balance method is used to calculate the interest on your account. This method applies a daily periodic rate (annual interest rate divided by 365, or 366 in a leap year) to the principal in the account each day.
Interest will be credited to your account at maturity.
If you close your account before interest is credited, you will receive the accrued interest.

Rate Information

Interest rate is fixed for the term.
The minimum balance of $1,000.00 is required to obtain the stated Annual Percentage Yield (APY) and maintain the account.
The interest rate and APY indicated below are accurate as of 09/20/2021.

		Rate	APY
$1,000.00	- $49.999.99	0.15%	0.15%
$50,000.00	- $89,999.99	0.20%	0.20%
$90,000.00	- $199,999.99	0.25%	0.25%
$200,000.00	- $250,000.00	0.25%	0.25%

Transaction Limitations

You may not make any deposits into your account during the term.
You may not make any partial withdrawals during the term.
You may make a deposit or withdrawal once during the grace period. If you take one of these actions, the grace period ends on that day. The grace period begins on the first day after the maturity date and lasts ten (10) calendar days.

Early Withdrawal Penalty

An early withdrawal penalty may be imposed for withdrawals made prior to maturity.
The early withdrawal penalty for the 12-month term will be the amount equal to 30 days simple interest.

Renewal Policy

Automatic Renewal:

This account will automatically renew on the maturity date. If you choose not to renew this account, simply withdraw the funds at maturity or provide written notice within the grace period (ten calendar days). Bank of Hope may also choose not to renew the account by mailing a written notice at least 30 days prior to maturity. If the account is not renewed, interest will not accrue after the final maturity

This account is subject to the same terms and fees, unless otherwise noted above, applicable to other consumer transaction accounts as disclosed in Bank of Hope’s Deposit Account Agreement. Any changes to the above that may adversely affect the accountholder will be disclosed 30 days prior to the effective date. Other terms and fees are subject to change without prior notice except as required by law. For additional fees that may apply to the Bank of Hope Online Certificate of Deposit, please refer to Bank of Hope’s Other Fees and Charges Sheet.

Revised September 20, 2021

MEMBER FDIC