Rates and Fees

Global Bank NY is Member FDIC.

All deposits are insured up to $250,000

Interest Rates

The minimum deposit to open a CD is $1,000.00.

Length	Amount	Rate	APY ¹
1-month	$1,000.00 and up	0.30%	0.30%
3-month	$1,000.00 and up	4.067%	4.15%
5-month	$1,000.00 and up	4.067%	4.15%
6-month	$1,000.00 and up	4.163%	4.25%
9-month	$1,000.00 and up	4.067%	4.15%
12-month	$1,000.00 and up	3.682%	3.75%
13-month	$1,000.00 and up	4.067%	4.15%
15-month	$1,000.00 and up	4.067%	4.15%
18-month	$1,000.00 and up	4.067%	4.15%
2-year	$1,000.00 and up	3.682%	3.75%
3-year	$1,000.00 and up	3.682%	3.75%
4-year	$1,000.00 and up	3.682%	3.75%
5-year	$1,000.00 and up	3.682%	3.75%

Personal Money Market

The minimum deposit to open a Personal Money Market account is $100.00.

Tier	Amount	Rate	APY ¹
1	$100.00 to $24,999.99	2.470%	2.50%
2	$25,000.00 to $99,999.99	2.470%	2.50%
3	$100,000.00 to $499,999.99	2.470%	2.50%
4	$500,000.00 and up	3.441%	3.50%

Business Money Market

The minimum deposit to open a Business Money Market account is $100.00.

Tier	Amount	Rate	APY ¹
1	$100.00 to $24,999.99	2.470%	2.50%
2	$25,000.00 to $99,999.99	2.470%	2.50%
3	$100,000.00 to $499,999.99	2.470%	2.50%
4	$500,000.00 and up	3.441%	3.50%

Traditional IRA

The minimum deposit to open a Traditional IRA account is $1,000.00.

Length	Amount	Rate	APY ¹
1-year	$1,000.00 and up	3.441%	3.50%
2-year	$1,000.00 and up	3.441%	3.50%
3-year	$1,000.00 and up	3.441%	3.50%
4-year	$1,000.00 and up	3.441%	3.50%
5-year	$1,000.00 and up	3.441%	3.50%

Roth IRA

The minimum deposit to open a Roth IRA account is $1,000.00.

Length	Amount	Rate	APY ¹
1-year	$1,000.00 and up	3.441%	3.50%
2-year	$1,000.00 and up	3.441%	3.50%
3-year	$1,000.00 and up	3.441%	3.50%
4-year	$1,000.00 and up	3.441%	3.50%
5-year	$1,000.00 and up	3.441%	3.50%

Savings

Account Type	Amount	Rate	APY ¹
Statement Savings	$0.01 and up	0.20%	0.20%

NOW Account

Account Type	Amount	Rate	APY ¹
Super NOW	$100.00 and up	0.05%	0.05%

Service Fees

Overdraft

Type	Amount
Insufficient/Uncollected Funds (when paid)	$25.00
Insufficient/Uncollected Funds (when returned)	$25.00
Insufficient Funds (against ACH debits per item)	$25.00

Miscellaneous

Type	Amount
Personal Prime Checking monthly fee (daily ending balance less than $1,500.00)	$10.00
Business Prime Checking monthly fee (daily ending balance less than $3,000.00)	$10.00
Closing account fee (within 6 months)	$15.00
Account balance verification letter	$12.00
Account balance verification letter (additional copies)	$6.00
Returned check deposited (each item)	$10.00
Statements sent to third parties	$5.00
Reconciliation (per hour)	$25.00
Stop payment (each item)	$15.00
Money Order	$5.00
Official Check	$10.00
Incoming wire transfer fee	$10.00
Outgoing wire transfer fee ($10,000.00 or less)	$15.00
Outgoing wire transfer fee ($10,000.01 or up)	$25.00
Lost ATM Card/Debit Card Replacement	$15.00
Telephone transfer between accounts in the same title	$3.00
Rolled Coin (per roll)	$0.25
Counter check (per check)	$2.00
T/T amendment fee	$15.00
Large cash deposit handling fee (per each $100.00)	$0.35

Legal

Type	Amount
Per-item fee	$60.00

Safe Deposit Box

Type	Amount
Force open safe-deposit box	$200.00
Lost safe deposit box key (per key)	$25.00

Abandoned Property

Type	Amount
Advertising expense	Pro-Rata Share
Cost of Certified Mail Fee	Actual Cost

Paper or Electronic Copies

Type	Amount
Monthly Statement Copy	$5.00
Canceled Checks Copy	$5.00
Instant Statement From Computer (per screen)	$5.00

Collection Fees

Type	Amount
Domestic	$15.00
International	$25.00

¹ Annual Percentage Yield is accurate as of January 28th, 2025. The displayed rates are for informational purposes, subject to change based on market conditions. Actual rates at account opening or renewal may differ. For savings, money market and interest-bearing checking, the interest rate is subject to change after the account is opened. Minimum CD deposit is $1,000.00. Early CD withdrawal penalty may apply. Fees may reduce earnings. Additional terms may apply. Contact us for the most current terms, and for personalized advice on deposit products and rates.

Global Bank NY

Global Bank NY is Member FDIC.

Interest Rates

Service Fees

Global Bank NY

Chinatown Branch

Brooklyn Branch

Flushing Mortgage Center