For more information, please review the link below or contact your financial advisor.

Bank Deposit Sweep Program Interest Rates as of October 31, 2024.

Bank Account Balance Range	Interest Rate	APY
$0–$24,999	0.75%	0.75%
$25,000–$99,999	0.75%	0.75%
$100,000–$249,999	1.10%	1.11%
$250,000–$499,999	1.25%	1.26%
$500,000–$999,999	1.50%	1.51%
$1,000,000–$1,999,999	1.75%	1.76%
$2,000,000 or more	2.50%	2.53%

Advisory Retirement Sweep Program Interest Rates

The interest rate for your Deposit Accounts in the ARSP as of October 31, 2024 is 0.35%. The most current interest rates may be obtained from Commonwealth on this page or from your financial advisor.

Fees Retained by Commonwealth

Commonwealth's fees for its CASP services are based on factors that include the Federal Funds Effective Rate. For more information about Commonwealth's fees, refer to the section of the above referenced CASP Disclosure Document titled "Benefits to Commonwealth and Others".

Federal Funds Effective Rate

The federal funds rate as of November 8, 2024, is 4.58%.

Program Bank List as of November 29, 2024.

Please note: A client's state of residence determines their priority list.

Position	Region 1	Region 2	Region 3	Region 4
	MA, ME, NH, RI, VT	CT, NY	AK, CO, HI, ID, KS, MT, NE, NM, NV, OR, UT, WA, WY	CA
1	Goldman Sachs Bank USA	American Express National Bank	Goldman Sachs Bank USA	Goldman Sachs Bank USA
2	U.S. Bank National Association	U.S. Bank National Association	Wells Fargo Bank, National Association	American Express National Bank
3	American Express National Bank	UBS Bank USA	UBS Bank USA	U.S. Bank National Association
4	UBS Bank USA	Goldman Sachs Bank USA	U.S. Bank National Association	UBS Bank USA
5	JPMorgan Chase Bank, National Association	JPMorgan Chase Bank, National Association	JPMorgan Chase Bank, National Association	JPMorgan Chase Bank, National Association
6	Synchrony Bank	Deutsche Bank Trust Company Americas	Deutsche Bank Trust Company Americas	State Street Bank and Trust Company
7	Deutsche Bank Trust Company Americas	Umpqua Bank	American Express National Bank	Umpqua Bank
8	Barclays Bank Delaware	The Huntington National Bank	Synchrony Bank	Deutsche Bank Trust Company Americas
9	The Bank of East Asia Ltd.	Barclays Bank Delaware	Umpqua Bank	Manufacturers and Traders Trust Company
10	State Bank of India	Capital One, National Association	Barclays Bank Delaware	Synchrony Bank
11	Umpqua Bank	Synchrony Bank	State Street Bank and Trust Company	Barclays Bank Delaware
12	The Huntington National Bank	Bank of China	Manufacturers and Traders Trust Company	Capital One, National Association
13	Capital One, National Association	State Bank of India - NY Branch	BMO Bank National Association	Bank of China
14	Bank of China	Manufacturers and Traders Trust Company	The Bank of East Asia Ltd.	PNC Bank, National Association
15	State Street Bank and Trust Company	East West Bank	State Bank of India	Bank of Baroda
16	PNC Bank, National Association	Bank of Baroda	Bank of China	State Bank of India - NY Branch
17	Bank of Baroda	The Bank of East Asia Ltd.	PNC Bank, National Association	The Huntington National Bank
18	East West Bank	Wells Fargo Bank, National Association	The Huntington National Bank	BMO Bank National Association
19	BMO Bank National Association	State Street Bank and Trust Company	Capital One, National Association	Wells Fargo Bank, National Association
20	First Horizon Bank	PNC Bank, National Association	First Horizon Bank	The Bank of East Asia Ltd.
21	Wells Fargo Bank, National Association	BMO Bank National Association	Cadence Bank	First Horizon Bank
22	Manufacturers and Traders Trust Company	First Horizon Bank	Bank of Baroda	Cadence Bank
23	Cadence Bank	Cadence Bank	East West Bank	East West Bank
24	Citibank, National Association	Citibank, National Association	Citibank, National Association	Citibank, National Association
Excess Bank List
1	U.S. Bank National Association	U.S. Bank National Association	U.S. Bank National Association	U.S. Bank National Association
2	Citibank, National Association	Citibank, National Association	Citibank, National Association	Citibank, National Association

Position	Region 5	Region 6	Region 7	Region 8	Business
	AL, AR, AZ, KY, LA, MO, OK, TN, TX	DC, DE, FL, GA, MD, MS, NC, SC	IA, IL, IN, MI, MN, ND, OH, SD, WI	NJ, PA, VA, WV All Other
1	Synchrony Bank	Goldman Sachs Bank USA	Wells Fargo Bank, National Association	Goldman Sachs Bank USA	Wells Fargo Bank, National Association
2	American Express National Bank	U.S. Bank National Association	UBS Bank USA	Umpqua Bank	U.S. Bank National Association
3	U.S. Bank National Association	UBS Bank USA	U.S. Bank National Association	U.S. Bank National Association	Synchrony Bank
4	Goldman Sachs Bank USA	PNC Bank, National Association	JPMorgan Chase Bank, National Association	UBS Bank USA	JPMorgan Chase Bank, National Association
5	Wells Fargo Bank, National Association	American Express National Bank	Capital One, National Association	American Express National Bank	Barclays Bank Delaware
6	UBS Bank USA	JPMorgan Chase Bank, National Association	PNC Bank, National Association	Synchrony Bank	Umpqua Bank
7	Capital One, National Association	Manufacturers and Traders Trust Company	Manufacturers and Traders Trust Company	JPMorgan Chase Bank, National Association	State Bank of India NY Branch
8	Manufacturers and Traders Trust Company	Synchrony Bank	Deutsche Bank Trust Company Americas	Manufacturers and Traders Trust Company	Capital One, National Association
9	State Bank of India NY Branch	State Bank of India	Synchrony Bank	State Bank of India	PNC Bank, National Association
10	Umpqua Bank	The Bank of East Asia Ltd.	BMO Bank National Association	Deutsche Bank Trust Company Americas	First Horizon Bank
11	JPMorgan Chase Bank, National Association	Umpqua Bank	American Express National Bank	The Huntington National Bank	Bank of China
12	Deutsche Bank Trust Company Americas	Deutsche Bank Trust Company Americas	Umpqua Bank	Capital One, National Association	Bank of Baroda
13	The Bank of East Asia Ltd.	Wells Fargo Bank, National Association	Barclays Bank Delaware	Bank of China	State Street Bank and Trust Company
14	Barclays Bank Delaware	BMO Bank National Association	Bank of Baroda	Wells Fargo Bank, National Association	East West Bank
15	State Street Bank and Trust Company	The Huntington National Bank	Bank of China	State Street Bank and Trust Company	BMO Bank National Association
16	The Huntington National Bank	Cadence Bank	The Bank of East Asia Ltd.	PNC Bank, National Association	The Bank of East Asia Ltd.
17	Bank of China	Capital One, National Association	State Bank of India	The Bank of East Asia Ltd.	Deutsche Bank Trust Company Americas
18	BMO Bank National Association	State Street Bank and Trust Company	State Street Bank and Trust Company	Barclays Bank Delaware	Cadence Bank
19	Bank of Baroda	Barclays Bank Delaware	First Horizon Bank	BMO Bank National Association	Citibank, National Association
20	PNC Bank, National Association	First Horizon Bank	Goldman Sachs Bank USA	First Horizon Bank
21	First Horizon Bank	Bank of Baroda	The Huntington National Bank	Cadence Bank
22	East West Bank	East West Bank	East West Bank	Bank of Baroda
23	Cadence Bank	Bank of China	Cadence Bank	East West Bank
24	Citibank, National Association	Citibank, National Association	Citibank, National Association	Citibank, National Association
Excess Bank List
1	U.S. Bank National Association	U.S. Bank National Association	U.S. Bank National Association	U.S. Bank National Association	PNC Bank, National Association
2	Citibank, National Association	Citibank, National Association	Citibank, National Association	Citibank, National Association	Citibank, National Association

Eligible Accounts	Eligible Accounts (Cont.)	Ineligible Accounts
Committee (not incorporated)	Trust Under Agreement	Money Purchase Keogh (Premiere Select)
Conservator (estate)	Trust Under Will	Voluntary Money Purchase Keogh (Premiere Select)
Uniform Gifts to Minors Act	Bank	Profit-Sharing Keogh (Premiere Select)
Uniform Transfers to Minors Act	Church	Voluntary Profit-Sharing Keogh (Premiere Select)
Guardian	Corporate	Keogh MP BDA
Individual	Investment Club	Keogh PS BDA
Traditional IRA (Premiere Select)	Professional Association
Roth IRA (Premiere Select)	Professional Corporation
Rollover IRA (Premiere Select)	Unincorporated Association
SEP IRA (Premiere Select)	Limited Liability Corporation
SIMPLE IRA (Premiere Select)	Administrator
IRA BDA	Executor
Roth BDA	Partnership
Non-Prototype IRA
Non-Prototype Retirement Plan (401(a) plans)
Sole Proprietorship (not incorporated)
Joint Community Property
Joint Tenants in Common
Joint Tenants in Entirety
Joint Usufruct
Joint with Rights of Survivorship
Person Representative
Transfer on Death (Individual)
Transfer on Death (Joint tenants)
Transfer on Death (Joint entity)

*Please contact your financial advisor for more information.

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