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Important Changes to the Onewest bank Prepaid MasterCard®.

All OneWest Bank and Lakers prepaid cards will be closing. We're discontinuing our prepaid cards program as of June 30. 2014 and accounts will close at that time. May 31, 2014 will be the last day you can load additional funds, including direct deposits, to your card. READ MORE.
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Account Personal Checking Premium Checking OneAccount
BalanceInterest RateAPYInterest RateAPYInterest RateAPY
< $100----0.100 %0.100 %0.100 %0.100 %
$100 – $999----0.100 %0.100 %0.100 %0.100 %
$1,000 – $4,999----0.100 %0.100 %0.100 %0.100 %
$5,000 – $9,999----0.100 %0.100 %0.100 %0.100 %
$10,000 – $24,999----0.100 %0.100 %0.100 %0.100 %
$25,000 – $49,999----0.250 %0.250 %0.100 %0.100 %
>=$50,000----0.250 %0.250 %0.648 %0.650 %

The Annual Percentage Yields (APY) and interest rates are effective as of 01/17/2014. Checking APYs and interest rates are variable and may change at any time without prior notice, including after account opening. The minimum opening balance for Personal Checking is $100, Premium Checking is $1,000, and OneAccount is $50,000. Fees could reduce earnings on the account. See “Account Disclosures” for details.

To obtain the interest rate and APY disclosed, the minimum balance for the applicable balance tier must be maintained.

Account Green Savings Personal Savings Premium Money Market
BalanceInterest RateAPYInterest RateAPYInterest RateAPY
< $10000.399 %0.400 %0.150 %0.150 %0.300 %0.300 %
$1,000 – $4,9990.399 %0.400 %0.150 %0.150 %0.300 %0.300 %
$5,000 – $9,9990.399 %0.400 %0.150 %0.150 %0.300 %0.300 %
$10,000 – $24,9990.399 %0.400 %0.300 %0.300 %0.499 %0.500 %
$25,000 – $49,9990.399 %0.400 %0.300 %0.300 %0.499 %0.500 %
$50,000 – $100,0000.648 %0.650 %0.499 %0.500 %0.499 %0.500 %
>$100,000 0.648 %0.650 %0.499 %0.500 %0.648 %0.650 %

The Annual Percentage Yields (APY) and interest rates are effective as of 01/17/2014. Money Market APYs and interest rates may change at any time without prior notice, including after account opening. The minimum opening balance for Money Market is $1,000. Fees could reduce earnings on the account. IRS penalties may apply for withdrawals from an IRA account. Consult your tax advisor for more information. See “Account Disclosures” for details.

To obtain the interest rate and APY disclosed, the minimum balance for the applicable balance tier must be maintained.

Account Online Branch Retirement Accounts
Fixed-TermInterest RateAPYInterest RateAPYInterest RateAPY
3 Months0.449 %0.450 %0.449 %0.450 %0.449 %0.450 %
4 Months0.449 %0.450 %0.449 %0.450 %0.449 %0.450 %
6 Months0.598 %0.600 %0.598 %0.600 %0.598 %0.600 %
9 Months0.747 %0.750 %0.747 %0.750 %0.747 %0.750 %
1 Year0.896 %0.900 %0.797 %0.800 %0.797 %0.800 %
13 Months 0.946 %0.950 %0.846 %0.850 %0.846 %0.850 %
18 Months0.946 %0.950 %0.846 %0.850 %0.846 %0.850 %
2 Years0.995 % 1.000 %0.896 % 0.900 %0.896 % 0.900 %
3 Years1.094 %1.100 %0.995 %1.000 %0.995 %1.000 %
4 Years 1.242 %1.250 %1.242 %1.250 %1.242 %1.250 %
5 Years1.440 %1.450 %1.489 %1.500 %1.489 %1.500 %

The Annual Percentage Yields (APY) are effective as of 01/17/2014 and are subject to change without prior notice until account opening. The minimum deposit to open a CD account and obtain the APY is $1,000. A penalty may be imposed for early withdrawal. See “Account Disclosures” for details. IRS penalties may apply for early withdrawal from an IRA account. Consult your tax advisor for more information.

To obtain the interest rate and APY disclosed, the minimum balance for the applicable balance tier must be maintained.

Account Certificates of Deposit
Fixed-TermInterest RateAPY
3 Months0.449 %0.450 %
4 Months0.449 %0.450 %
6 Months0.598 %0.600 %
9 Months0.747 %0.750 %
1 Year0.797 %0.800 %
13 Months0.846 % 0.850 %
18 Months0.846 %0.850 %
2 Years0.896 %0.900 %
3 Years0.995 %1.000 %
4 Years1.242 %1.250 %
5 Years1.489 %1.500 %

The Annual Percentage Yields (APY) are effective as of 01/17/2014 and are subject to change without prior notice until account opening. The minimum deposit to open a CD account and obtain the APY is $1,000. A penalty may be imposed for early withdrawal. See “Account Disclosures” for details. IRS penalties may apply for early withdrawal from an IRA account. Consult your tax advisor for more information.

To obtain the interest rate and APY disclosed, the minimum balance for the applicable balance tier must be maintained.

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