Mid Hudson Times , Wednesday , May 4 , 2016 3
Catch a great rate .
1.01 % ANNUAL
PERCENTAGE YIELD *
With Qualifying Deposit , Balance Requirements Apply *
For a First Niagara Pinnacle Money Market account
MONEY MARKET 1-YEAR CD
1.01 % APY *
With Qualifying Deposit , Balance Requirements Apply *
1.01 % APY
†
1-year Certificate of Deposit
Hurry , offer valid 4 / 16 / 16 through 5 / 20 / 16 .
Stop by a branch near you Call 1-866-264-8145
Get cracking ! Open your account today .
† Minimum deposit of $ 500 required to receive the Annual Percentage Yield ( APY ) of 1.01 % for one year ( 12 months ). Maximum account balance per household is $ 1,000,000 . Retirement accounts are eligible for this offer . Early withdrawals are subject to Early Withdrawal Penalties .
* The promotional rate applies only to new accounts opened with a deposit of at least $ 25,000 in New Money . New Money is defined as funds which do not originate from an existing First Niagara account . In order to earn the advertised Annual Percentage Yield ( APY ) you must deposit between $ 25,000 and $ 249,999.99 . APY is accurate as of 03 / 16 / 2016 . If at any time the account balance falls below $ 500 , your entire balance will not earn any interest . You will earn an Annual Percentage Yield ( APY ) of 0.05 % when your balance is between $ 500 and $ 4,999.99 ; 0.10 % APY when your balance is between $ 5,000 and $ 24,999.99 ; 1.01 % APY when your balance is between $ 25,000 and $ 249,999.99 ; 0.25 % APY for balances of $ 250,000 or greater . If at any time the account balance plus any interest credited is $ 250,000 or more , the entire balance on the account will earn an APY of 0.25 %. This is a variable rate account , which means rates are subject to change . This is a limited-time offer and may be withdrawn at any time . This offer may not be combined with any other promotion or program . To avoid the $ 25 Monthly Charge for servicing this account you must maintain an Average Daily Balance of at least $ 5,000 . Fees may reduce earnings on this account . If your account is closed within 180 days of opening , an “ Early Account Closing ” fee of $ 25 will be assessed . Pinnacle Money Market accounts are subject to a limited number of transactions per statement cycle , a $ 15 service charge may apply for each transaction above these limitations , refer to the Schedule of Personal Account Fees and Transaction Limitations for details .
†* Above rates are as of 03 / 16 / 2016 . The Interest Rates will not be tied to any index but will be set by us at our discretion . There is no limitation on the amount in which the Interest Rates may change . Fees may reduce earnings on interest-bearing accounts . These offers may not be combined with any other promotion or program . Offers valid only in branches located in Connecticut and Springfield , Massachusetts AND the following Pennsylvania counties : Berks , Bucks , Carbon , Chester , Lehigh , Monroe , Montgomery , Northampton & Philadelphia ; AND in the following New York counties : Dutchess , Orange , Putnam , Rockland , Sullivan , Ulster & Westchester . Offers are not valid online . These limited-time offers are valid through 05 / 20 / 2016 , however they may be withdrawn at any time .
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