2 / matters magazine / home&garden 2018 APY* 1.80% 18 MONTH CD INTEREST RATE 1.76% Get the most out of your savings with a high rate CD! Invest early and watch your money soar. For more information, just visit or call your local BCB branch today. *APY = Annual Percentage Yield. Requirements: Must be new money. Rate of 1.76% with an Annual Percentage Yield (APY) of 1.80%. Interest will be compounded daily and credited monthly. APY assumes interest will remain on deposit until maturity. Must deposit $18,000 to open. Must maintain a minimum daily balance of $18,000 in the account each day to obtain disclosed APY. Maximum balance is capped at $180,000.00. Early withdrawal penalty will be charged for funds withdrawn before maturity date. Penalty will equal six months of interest on account. Account will automatically renew at maturity to a 12 month CD at prevailing rate. Grace period of 7 calendar days after the maturity date to withdraw funds without being charged early withdrawal penalty. This rate is offered only on 18 month CD, as advertised. Offer may be withdrawn at any time. Withdrawal of interest may reduce earnings. TWO CONVENIENT LOCATIONS IN YOUR AREA BCB MAPLEWOOD BCB SOUTH ORANGE 156 Maplewood Avenue Maplewood, NJ 200 Valley Street South Orange, NJ WATCH YOUR MONEY GROW AT HERE’S HOW... For a full list of branch locations, check out our website at www.BCB.Bank or call 1.800.680.6872 for the one nearest you. 1.800.680.6872 l www.BCB.Bank *APY = Annual Percentage Yield 1 - Must be new money. Must have one direct deposit from Social Security, payroll, pension or unemployment benefits and debit card. You must maintain a minimum daily balance of $1,000.00 in the account each day to obtain special rate. Special rate will be applied when all requirements are met. Minimum deposit to open $1,000.00. Minimum daily balance to earn interest $500.00. Daily Balances from $500.00 to $999.99 earn interest rate of 0.10% with an Annual Percentage Yield (APY) of 0.10%. Daily Balances of $1,000.00 and over earn special interest rate of 1.00% and an APY of 1.02%. Interest will be compounded daily and credited monthly. You must maintain a minimum daily balance of $1,000.00 to avoid $10.00 monthly service charge. Offer may be withdrawn at any time. Withdrawal of interest and/or fees may reduce earnings. BCB can change the interest rate at any time. 1.00% CHECKING1 Interest Rate 1.00% l APY* 1.02% $1,000 Minimum Balance to open and earn special rate Direct Deposit & Debit Card