Account Name and Term

Minimum Deposit Interest Rate Annual Percentage Yield

CD Specials

Pick Your Term CD (6 to 11 months) $5,000.00 Varies by Term 2.75%
Pick Your Term CD (12 to 15 months) $5,000.00 Varies by Term 3.00%
36 Month Jump Up Homecoming CD $5,000.00 2.98% 3.00%
3 - 5 Year CD $5,000.00 Varies by Term 3.10%
       

Regular CD Rates

3 Month CD $500.00 2.23% 2.25%
6 Month CD $500.00 2.23% 2.25%
12 Month CD $500.00 2.23% 2.25%
18 Month CD $500.00 2.23% 2.25%
24 Month CD $500.00 2.48% 2.50%
36 Month CD $500.00 2.48% 2.50%
48 Month CD $500.00 2.48% 2.50%
60 Month CD $500.00 2.48% 2.50%

IRA CD Rates

12 Month IRA CD (Special) $5,000.00 2.98% 3.00%
12 Month IRA CD $500.00 2.23% 2.25%
24 Month IRA CD $500.00 2.48% 2.50%
36 Month IRA CD $500.00 2.48% 2.50%

Please review our product disclosures for terms and conditions regarding our
Checking, Savings, and Money Market Accounts.  Fees may reduce earnings.

Hometown Checking Plus

  0.35% 0.35%

Interest Checking

$0 - $4,999 0.35% 0.35%
  $5,000 - $24,999 1.00% 1.00%
  $25,000 + 1.98% 2.00%

Bluffs Club Checking

$0 - $24,999 0.99% 1.00%
  $25,000 + 1.99% 2.00%
    Regular Savings Account   0.50% 0.50%
    Money Market Rates & Rate Tiers $2,500 - $9,999 0.50% 0.50%
  $10,000 - $24,999 1.00% 1.00%
  $25,000 - $49,999 1.98% 2.00%
  $50,000 - $99,999 2.23% 2.25%
  $100,000 + 2.47% 2.50%
Certificates of Deposit - Depositors may receive interest payment by direct deposit monthly, quarterly, or semi-annually. If interest is  direct deposit, rather than compounded to the certificate, the annual percentage yield will be the same as the interest paid by rate.  Minimum opening balance is $500.00 unless otherwise stated. Additional deposits of at least $500.00 are allowed. One withdrawal without penalty per year up to 10% of the principal is allowed.  All Certificates of Deposit must maintain a balance of at least $500 to earn interest.  Penalty imposed for early withdrawal.
The interest rate and annual percentage yield may change after account opening.  APY* = Annual Percentage Yield.
Bluffs Club Checking - You must have $50,000.00 on deposit to qualify for the Bluffs Club Checking account.
Interest rates and Annual Percentage Yields are current as of 01/06/2009.

Member FDIC