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Rates

StellarOne is pleased to offer competitive rates on all our checking, savings, CD and Money Market products! We have many flexible terms to choose from, and we can help you schedule your maturities to balance potential market rate changes and have cash available when you need it. The rates and Annual Percentage Yield are current as of February 18, 2014.

Personal Checking

Product**  Interest Rate  APY*  Minimum Balance to Obtain APY*  Minimum Opening Deposit 
Easy Free Interest Checking  0.03%  0.03%  $0.01  $25.00 
Fantastic 50+ Interest Checking  0.03%  0.03%  $0.01  $25.00 
High Performance Interest Checking  0.03%  0.03%  $0.01  $25.00 
High Performance Interest Checking  0.05%  0.05%  $2,500  $25.00 

*Annual Percentage Yield (APY); **Rates may change after account opening; fees could reduce earnings on account; yield is accurate as of date stated above and is subject to change.

Savings Accounts

Product**  Interest Rate  APY*  Minimum Balance to Obtain APY*  Minimum Opening Deposit 
Health Savings Account  0.05%  0.05%  $0.01  $25 
Health Savings Account  0.10%  0.10%  $5,000  $25 
Earn More Savings  0.10%  0.10%  $100  $5,000 
Personal & Business Statement Savings  0.05%  0.05%  $100  $25 
Stellar Savers  0.10%  0.10%  $1  $1 
Minor Savings  0.10%  0.10%  $0.01  $5 

*Annual Percentage Yield (APY); **Rates may change after account opening; fees could reduce earnings on account; yield is accurate as of date stated above and is subject to change.

Money Market Accounts

Product**  Interest Rate  APY*  Minimum Balance to Obtain APY*  Minimum Opening Deposit 
Personal & Business Money Market  0.05%  0.05%  $0.01  $500 
  0.10%  0.10%  $10,000  $500 
  0.15%  0.15%  $25,000  $500 
  0.20%  0.20%  $50,000  $500 
  0.25%  0.25%  $100,000  $500 
  0.30%  0.30%  $500,000  $500 

*Annual Percentage Yield (APY); **Rates may change after account opening; fees could reduce earnings on account; yield is accurate as of date stated above and is subject to change.

Certificates of Deposit

Product**  Interest Rate  APY*  Minimum Balance to Obtain APY*  Minimum Opening Deposit 
EZ 1 - 5 Months  0.05%  0.05%  $0.01  $1000 
EZ 6 - 11 Months  0.10%  0.10%  $0.01  $1000 
EZ 12 - 23 Months  0.10%  0.10%  $0.01  $1000 
EZ 24 - 35 Months  0.25%  0.25%  $0.01  $1000 
EZ 36 - 59 Months  0.45%  0.45%  $0.01  $1000 
EZ 60 Months  0.75%  0.75%  $0.01  $1000 
91 Day No Penalty CD  0.05%  0.05%  $1,000  $1000 
13 Month Promo CD***  0.40%  0.40%  $0.01  $5,000 
27 Month Promo CD***  0.70%  0.70%  $0.01  $5,000 
60 Month Promo CD***  1.00%  1.00%  $0.01  $5,000 

A penalty may be imposed for early withdrawal. *Annual Percentage Yield (APY); **Fees could reduce earnings on account; yield is accurate as of date stated above; ***Checking account relationship with StellarOne Bank is required. ****A penalty may be imposed for early withdrawl.

Individual Retirement Accounts

Product**  Interest Rate  APY*  Minimum Balance to Obtain APY*  Minimum Opening Deposit 
12 - 23 Month Fixed Rate IRA  0.10%  0.10%  $0.01  $25 
24 - 35 Month Fixed Rate IRA  0.25%  0.25%  $0.01  $25 
36 - 59 Month Fixed Rate IRA  0.45%  0.45%  $0.01  $25 
60 Month Fixed Rate IRA  0.75%  0.75%  $0.01  $25 
7 - 31 Day IRA  0.05%  0.05%  $1,000  $1,000 
91 Day No Penalty IRA  0.05%  0.05%  $1,000  $1,000 
182 Day IRA  0.10%  0.10%  $1,000  $1,000 
18 Month Variable Rate IRA****  0.10%  0.10%  $0.01  $100 
13 Month Promo IRA***  0.40%  0.40%  $0.01  $5,000 
27 Month Promo IRA***  0.70%  0.70%  $0.01  $5,000 
60 Month Promo IRA***  1.00%  1.00%  $0.01  $5,000 

A penalty may be imposed for early withdrawal. *Annual Percentage Yield (APY); **Fees could reduce earnings on account; yield is accurate as of date stated above; ***Checking account relationship with StellarOne Bank is required; renews to a 12 Month IRA; ****Rate may change after account opening at our discretion. ****A penalty may be imposed for early withdrawal.

Call us at 888.785.5271 for more information about any of our accounts!