2 The Queens Courier • march 17, 2016 FOR BREAKING NEWS VISIT www.qns.com Obeugri nb ewsti tmh eam soinrigelse day at the beach... Experience the whole summer 718.634.1500 nysilvergull.com 718.634.2500 nybreezypoint.com Your Homeownership Partner The State of New York Mortgage Agency offers: • Competitive , fixed-rate mortgages for first-time homebuyers • Downpayment assistance available up to $15, 000 • Special program for veterans, active-duty military , National Guard and reservists • Funds available for renovation 1-800-382-HOME(4663) www.sonyma.org Great Rate and a Bonus on Each 1-Year Anniversary! PLUS 0.25% On each 1-year anniversary of account opening BONUS Savings Account Visit our new Queens branch at 78-01 37th Avenue, Jackson Heights for special offers available only at this location! Established 1863 · Member FDIC www.applebank.com 78-01 37th Avenue, Jackson Heights, 718-779-0002 91-31 Queens Boulevard, Elmhurst, 718-458-2120 102-35 Queens Boulevard, Forest Hills, 718-997-2020 116-12 Queens Boulevard, Forest Hills (Kew Gardens), 718-575-2841 43-73 Kissena Boulevard, Flushing, 718-321-2200 168-42 Hillside Avenue, Jamaica, 718-739-2880 BONUS** 0.75% APY* $25,000 minimum to earn stated rate *For the Apple Bank BONUS Savings account, interest earned on daily balances of $2,500 or more at these tiers: $2,500-$24,999: .10% Annual Percentage Yield (APY), $25,000 and up: .75% APY. There is no interest paid on balances of $0-$2,499. APYs disclosed effective as of January 5, 2016. APYs may be changed at any time at the Bank’s discretion. There is a minimum of $2,500 required to open the Apple Bank BONUS Savings account. $2,500 minimum daily balance is required to avoid $10 monthly maintenance fee. Fees may reduce earnings. Funds used to open this account cannot be from an existing Apple Bank account. Maximum deposit amount is $1,000,000 per household. **Special bonus feature: A .25% simple interest rate bonus will be paid on each anniversary date of account opening on the lowest balance for that year (anniversary date to anniversary date). No bonus is paid if the account balance is less than $2,500 on the anniversary date. Additional deposits during a given anniversary period do not affect the bonus interest payment. Deposits made to the account on any anniversary date will be used to calculate the lowest account balance for the next anniversary period. The bonus interest is calculated on the lowest balance on deposit from one anniversary date to the next anniversary date. Simple interest rate bonus is subject to change at any time after first anniversary date of account opening. Hypothetical example of how bonus works: Assume an account is opened on January 12, 2016 for $50,000. A $10,000 withdrawal is made on July 12, 2016. No other withdrawals are made prior to the January 12, 2017 anniversary date. The low balance is now $40,000, so $100 in bonus interest will be paid on January 12, 2017.
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