Bank of Washington: Rates

These rates are effective as of: February 6, 2012

CHECKING AND SAVINGS

Accounts insured by FDIC

Account Type	Minimum Opening Deposit	Interest Rate	APY* (Annual Percentage Yield)	Minimum Balance to Earn Stated APY

Now Account	$1,000.00	0.25%	0.25%	none
Senior Advantage	none	0.35%	0.35%	$5,000.00 aggregate deposit relationship
Senior Advantage Green**	none	2.50%	2.53%	$30,000.00 & under
		0.35%	0.35%	over $30,000.00
Green Advantage	$25.00	2.50%	2.53%	$30,000.00 & under
		0.25%	0.25%	over $30,000.00
Money Market Deposit Account	$1,000.00	0.75%	0.75%	none
Statement Savings	$100.00	0.50%	0.50%	none
Health Savings Account	none	0.50%	0.50%	$2,499.00 & under
		0.75%	0.75%	$2,500.00 - $9,999.00
		1.00%	1.00%	$10,000.00 & over

*APY is effective as of the date stated above. Rates are subject to change after account opening, and certain fees may reduce account earnings. Rates subject to change without notice.

**Also requires $5,000 aggregate deposit relationship to earn stated APY

CERTIFICATES OF DEPOSIT / IRAs

Accounts insured by FDIC

Term	Minimum Opening Deposit	Interest Rate	APY* (Annual Percentage Yield)	Minimum Balance to Earn Stated APY

91 Day	$5,000.00	0.15%	0.15%	$5,000.00
6 Month	$500.00	0.25%	0.25%	$5,000.00
12 Month	$500.00	0.40%	0.40%	$5,000.00
18 Month	$500.00	0.50%	0.50%	$5,000.00
24 Month	$500.00	0.60%	0.60%	$5,000.00
36 Month	$500.00	1.10%	1.11%	$5,000.00
48 Month	$500.00	1.40%	1.41%	$5,000.00
60 Month	$500.00	1.99%	2.01%	$5,000.00

*APY is effective as of the date stated above, and assumes monthly compounding. A penalty may be imposed for early withdrawal.

FIXED RATE MORTGAGE LOANS

Mortgage Rates and Terms are Subject to Change Without Notice

Term	Interest Rate	APR (Annual Percentage Rate)	Monthly Principal and Interest

30 - Yr. (360 Payments)	3.750%	3.766%	578.89
15 - Yr. (180 Payments)	3.000%	3.029%	863.23

Rates above assume a minimum 740 credit score. Rates are quoted with the "NO POINT" option. Lower rates available with other point options. Annual Percentage Rate (APR) and monthly P&I calculated on loan amount of $125,000.00, assuming a down payment of 20%, and an anticipated 30-day rate lock period. Payment amounts shown above will be higher if taxes and insurance are included.