JN Direct Gain Account

JMD
Bands 30 Days 30 Days - EAIR 60 Days 60 Days - EAIR 90 Days 90 Days - EAIR 180 Days 180 Days - EAIR 365 Days 366 Days - EAIR
25,000 - 49,999 0.05% 0.0500% 0.10% 0.1000% 0.15% 0.1501% 0.20% 0.2001% 0.35% 0.3500%
50,000 - 99,999 0.20% 0.2002% 0.25% 0.2503% 0.30% 0.3003% 0.35% 0.3503% 0.55% 0.5500%
100,000 - 249,999 0.20% 0.2002% 0.30% 0.3004% 0.35% 0.3505% 0.40% 0.4004% 0.60% 0.6000%
250,000 - 499,999 0.40% 0.4007% 0.40% 0.4007% 0.45% 0.4508% 0.50% 0.5006% 0.75% 0.7500%
500,000-999,999 0.80% 0.8029% 0.80% 0.8027% 0.85% 0.8527% 0.90% 0.9020% 1.30% 1.3000%
1,000,000 - 4,999,999 1.00% 1.0046% 1.25% 1.2565% 1.50% 1.5058% 1.70% 1.7072% 2.10% 2.1000%
5,000,000 - 9,999,999  1.00% 1.0046% 1.85% 1.8643% 2.10% 2.1166% 2.25% 2.2627% 2.35% 2.3500%
10,000,000 and Over 1.40% 1.4090% 2.05% 2.0676% 2.25% 2.2691% 2.50% 2.5156% 2.75% 2.7500%
USD
Bands 30 Days 30 Days - EAIR 60 Days 60 Days - EAIR 90 Days 90 Days - EAIR 180 Days 180 Days - EAIR 366 Days 366 Days - EAIR
1,000 -19,999 0.05% 0.0500% 0.05% 0.0500% 0.10% 0.1000% 0.20% 0.2001% 0.25% 0.2500%
20,000 - 49,999 0.10% 0.1000% 0.10% 0.1000% 0.15% 0.1501% 0.20% 0.2001% 0.25% 0.2500%
50,000 - 79,999 0.25% 0.2503% 0.25% 0.2503% 0.25% 0.2502% 0.35% 0.3503% 0.40% 0.4000%
80,000 - 99,999 0.30% 0.3004% 0.30% 0.3004% 0.30% 0.3003% 0.40% 0.4004% 0.45% 0.4500%
100,000 - 299,999 0.55% 0.5514% 0.55% 0.5513% 0.55% 0.5511% 0.60% 0.6009% 0.70% 0.7000%
300,000 - 999,999 0.55% 0.5514% 0.55% 0.5513% 0.55% 0.5511% 0.60% 0.6009% 0.90% 0.9000%
1,000,000 and over 0.60% 0.6017% 0.60% 0.6015% 0.60% 0.6014% 0.90% 0.9020% 1.00% 1.0000%
CAD
Bands 30 Days 30 Days - EAIR 60 Days 60 Days - EAIR 90 Days 90 Days - EAIR 180 Days 180 Days - EAIR 366 Days 366 Days - EAIR
1,000 - 19,999 0.025% 0.0250% 0.025% 0.0250% 0.025% 0.0250% 0.04% 0.0400% 0.04% 0.0400%
20,000 - 49,999 0.025% 0.0250% 0.025% 0.0250% 0.025% 0.0250% 0.04% 0.0400% 0.04% 0.0400%
50,000 - 79,999 0.025% 0.0250% 0.025% 0.0250% 0.025% 0.0250% 0.04% 0.0400% 0.04% 0.0400%
80,000 - 99,999 0.05% 0.0500% 0.05% 0.0500% 0.05% 0.0500% 0.10% 0.1000% 0.10% 0.1000%
100,000 - 299,999 0.05% 0.0500% 0.05% 0.0500% 0.05% 0.0500% 0.10% 0.1000% 0.10% 0.1000%
300,000 - 499,999 0.05% 0.0500% 0.05% 0.0500% 0.05% 0.0500% 0.10% 0.1000% 0.10% 0.1000%
500,000 and Over 0.05% 0.0500% 0.05% 0.0500% 0.05% 0.0500% 0.10% 0.1000% 0.12% 0.1200%
GBP
Bands 30 Days 30 Days - EAIR 60 Days 60 Days - EAIR 90 Days 90 Days - EAIR 180 Days 180 Days - EAIR 366 Days 366 Days - EAIR
1,000 - 19,999 0.02% 0.0200% 0.02% 0.0200% 0.02% 0.0200% 0.02% 0.0400% 0.04% 0.0400%
20,000 - 49,999 0.02% 0.0200% 0.02% 0.0200% 0.02% 0.0200% 0.02% 0.0200% 0.08% 0.0800%
50,000 - 79,999 0.05% 0.0500% 0.05% 0.0500% 0.05% 0.0500% 0.05% 0.0500% 0.10% 0.1000%
80,000 - 99,999 0.05% 0.0500% 0.05% 0.0500% 0.05% 0.0500% 0.05% 0.0500% 0.10% 0.1000%
100,000 - 299,999 0.05% 0.0500% 0.05% 0.0500% 0.05% 0.0500% 0.05% 0.0500% 0.10% 0.1000%
300,000 - 499,999 0.05% 0.0500% 0.05% 0.0500% 0.05% 0.0500% 0.05% 0.0500% 0.10% 0.1000%
500,000 and Over 0.08% 0.0800% 0.08% 0.0800% 0.08% 0.0800% 0.08% 0.0800% 0.15% 0.1500%

Effective October 5, 2020

JN Vacation Account

JMD
Bands Interest Rate EAIR
$0.00-$499.99 0.02% 0.0200%
$500.00-$9,999 0.02% 0.0200%
$10,000.00-$99,999 0.02% 0.0200%
$100,000.00-$299,999 0.02% 0.0200%
$300,000.00-$499,999 0.05% 0.0500%
$500,000.00-$799,999 0.05% 0.0500%
$800,000.00-$999,999 0.05% 0.0500%
$1,000,000 & over 0.50% 0.5012%
USD
Bands Rate EAIR
$50-499.99 0.050% 0.0500%
$500.00-$9,999.99 0.100% 0.1000%
$10,000.00 & Over 0.150% 0.1501%
CAD
Bands New Rate EAIR
$50-$499.99 0.025% 0.0250%
$500-$9,999.99 0.050% 0.0500%
$10,000 & Over 0.100% 0.1000%
GBP
Bands Rate  EAIR
£50-£499.99 0.050% 0.0500%
£500-£9,999.99 0.100% 0.1000%
£10,000 & Over 0.150% 0.1501%

JN Bridal Registry Account

JMD
Bands Interest Rate EAIR
0-$9,9999 0.02% 0.0200%
$10,000-$99,999 0.02% 0.0200%
$100,000-$299,999 0.02% 0.0200%
$300,000-$999,999 0.05% 0.0500%
$1,000,000 & Over 0.05% 0.0500%
   
USD
Bands Interest Rate EAIR
0-$200 0.010% 0.0100%
$201-$1,000 0.010% 0.0100%
$1,001-$5,000 0.020% 0.0200%
$5,001-$20,000 0.020% 0.0200%
$20,001-$50,000 0.050% 0.0500%
$50,001 & Over 0.050% 0.0500%
CAD
Bands Interest Rate EAIR
0-$200 0.01250% 0.0125%
$201-$1,000 0.01250% 0.0125%
$1,001-$5,000 0.01250% 0.0125%
$5,001-$20,000 0.01250% 0.0125%
$20,001-$50,000 0.01250% 0.0125%
$50,001 & Over 0.01250% 0.0125%
GBP
Bands Interest Rate EAIR
0-1,000 0.010% 0.0100%
1,001-5,000 0.010% 0.0100%
5,001-20,000 0.010% 0.0100%
20,001-50,000 0.020% 0.0200%
50,001 & Over 0.020% 0.0200%

JN High Yield Account

JMD
Bands 365 Days 365 Days - EAIR
5,000 - 20,000 0.25% 0.2500%
20,001 - 35,000 0.40% 0.4000%
35,001 - 50,000 0.55% 0.5500%
50,001 and over 0.75% 0.7500%
USD
Bands 365 Days 365 Days - EAIR
100 - 500 0.05% 0.0500%
501 - 1,000 0.10% 0.1000%
1,001 - 1,500 0.15% 0.1500%
1,501 and over 0.20% 0.2000%
CAD
Bands 365 Days 365 Days - EAIR
100 - 500 0.05% 0.0500%
501 - 1,000 0.05% 0.0500%
1,001 - 1,500 0.05% 0.0500%
1,501 and over 0.10% 0.1000%
GBP
Bands 365 Days 365 Days - EAIR
100 - 500 0.025% 0.0250%
501 - 1,000 0.025% 0.0250%
1,001 - 1,500 0.05% 0.0500%
1,501 and over 0.05% 0.0500%

JN Partna Plan Account

JMD
Bands Interest Rate EAIR
$1,000-$5,000 0.0125% 0.0125%
$5,001-$20,0000 0.0125% 0.0125%
$20,001-$35,000 0.0125% 0.0125%
$35,001-$50,000  0.0125% 0.0125%
$50,001 & over  0.5000% 0.5012%

Regular Savings Account

JMD
Bands New Rate EAIR
0 - 49,999 0.02% 0.0200%
50,000 - 99,999 0.02% 0.0200%
100,000 - 199,999 0.02% 0.0200%
200,000 - 249,999 0.05% 0.0500%
250,000 - 499,999 0.05% 0.0500%
500,000 - 999,999 0.05% 0.0500%
1,000,000 - 1,999,999 0.05% 0.0500%
2,000,000 - 4,999,999 0.10% 0.1000%
5,000,000 and Over 0.10% 0.1000%

JN Baby Registry Account

JMD
Bands New Rate EAIR
0 - 49,999 0.02% 0.0200%
50,000 - 99,999 0.02% 0.0200%
100,000 - 199,999 0.02% 0.0200%
200,000 - 249,999 0.05% 0.0500%
250,000 - 499,999 0.05% 0.0500%
500,000 - 999,999 0.05% 0.0500%
1,000,000 - 1,999,999 0.05% 0.0500%
2,000,000 - 4,999,999 0.10% 0.1000%
5,000,000 and Over 0.10% 0.1000%

USD
Bands New Rate EAIR
0 - 199 0.010% 0.0100%
200 - 24,999 0.010% 0.0100%
25,000 - 49,999 0.020% 0.0200%
50,000 - 99,999 0.020% 0.0200%
100,000 - 149,999 0.050% 0.0500%
150,000 and Over 0.050% 0.0500%
CAD
Bands New Rate EAIR
0 - 199 0.01250% 0.0125%
200 - 24,999 0.01250% 0.0125%
25,000 - 49,999 0.01250% 0.0125%
50,000 - 99,999 0.01250% 0.0125%
100,000 - 149,999 0.025% 0.0250%
150,000 and Over 0.025% 0.0250%
GBP
Bands Rate  EAIR
0 - 1,000 0.010% 0.0100%
1,001- 5,000 0.010% 0.0100%
5,001 - 20,000 0.010% 0.0100%
20,001 - 50,000 0.020% 0.0200%
50,001 and Over 0.030% 0.0300%

Regular Savings Foreign Currency Account

USD
Bands New Rate EAIR
0 - 199 0.010% 0.0100%
200 - 24,999 0.010% 0.0100%
25,000 - 49,999 0.020% 0.0200%
50,000 - 99,999 0.020% 0.0200%
100,000 - 149,999 0.050% 0.0500%
150,000 and Over 0.050% 0.0500%
CAD
Bands New Rate EAIR
0 - 199 0.01250% 0.0125%
200 - 24,999 0.01250% 0.0125%
25,000 - 49,999 0.01250% 0.0125%
50,000 - 99,999 0.01250% 0.0125%
100,000 - 149,999 0.025% 0.0250%
150,000 and Over 0.025% 0.0250%
GBP
Bands Rate  EAIR
0 - 1,000 0.010% 0.0100%
1,001- 5,000 0.010% 0.0100%
5,001 - 20,000 0.010% 0.0100%
20,001 - 50,000 0.020% 0.0200%
50,001 and Over 0.030% 0.0300%

JN Wealth Optimizer

JMD
Bands Rate EAIR
0-249,999 0.10% 0.1000%
250,000-499,999 0.15% 0.1501%
500,000-999,999 0.20% 0.2002%
1,000,000-4,999,999 0.25% 0.2503%
5,000,000 & Over 0.30% 0.3004%
USD
BANDS ($) RATE EAIR
0 – 4,999 0.05% 0.0500%
5,000 – 9,999 0.05% 0.0500%
10,000 – 24,999 0.05% 0.0500%
25,000 – 49,999 0.10% 0.1000%
50,000 – 99,999 0.15% 0.1501%
100,000 & Over 0.20% 0.2002%

BeWise Savings Plan - Local

Bands 2 Years EAIR 3 Years EAIR 5 Years EAIR
100,000 - 1,999,999 3.25% 3.2989% 3.35% 3.4019% 3.55% 3.6083%
2,000,000 - 5,000,000 3.75% 3.8131% 3.85% 3.9187% 4.00% 4.0742%

Effective March 11, 2020

BeWise Savings Plan - Foreign

USD
Bands 3 Years EAIR
10,000 - 19,999 1.50% 1.5104%
20,000 - 99,999 1.75% 1.7641%
100,000 - 499,999 2.00% 2.0184%
500,000 and Over 3.00% 3.0416%
CAD
Bands 3 Years EAIR
10,000 - 19,999 0.20% 0.2002%
20,000 - 99,999 0.25% 0.2503%
100,000 - 499,999 0.30% 0.3004%
500,000 and Over 0.75% 0.7526%
GBP
Bands 3 Years EAIR
10,000 - 19,999 0.25% 0.2503%
20,000 - 99,999 0.30% 0.3004%
100,000 - 499,999 0.35% 0.3506%
500,000 and Over 0.50% 0.5011%

Effective May 29, 2019

* Notice of any rate change(s) will be provided in writing, by physical or electronic means, to our customers, 45 calendar days in advance of any such change(s) being implemented

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