IMPORTANT INFORMATION ABOUT PROCEDRUES FOR OPENIENG A NEW ACCOUNT

To help the government fight the funding of terroism and money laundering activities, federal law requres all financial instituions to obtain, verify and record information that identifies each person who opens an account.

What this means for you:  When you open an account, we will ask for your name, address, date of birth and other information that will allow us to idenfity you.  We may also ask to see your driver's license or other identifying documents.

RATE CENTER

   Certificates of Deposit
Less than $99,999.99
Minimum deposit $500.00
Minimum Balance $500.00

Term	Annual Percentage  Yield	Interest Rates
1 Month	.10	.10
3 Months	.10	.10
182 Days	.15	.15
12 Months	.35	.35
18 Months	.40	.40
24 Months	0.55	0.55
30 Months	0.60	0.60
36 Months	0.75	0.75
48 Months	0.95	0.95
60 Months	1.20	1.21

  All rates are subject to change after account is open
The Annual Precentage Yield is accurate as of 03/06/2013
A penalty imposed for early withdrawal on CD's. 
The annual percentage yield assumes interest will remain on deposit until maturity.

       Certificate of Deposit

    Greater than $99,999.99
 Minimum Deposit $100,000.00
Minimum Balance $100,000.00

Term	Annual Percentage Yield	Interest Rates
1 Month	.15	.15
3 Months	.15	.15
6 Months	.25	.25
12 Months	.45	.45

All rates are subject to change after account is open
The Annual Precentage Yield is accurate as of 03/06/2013
A penalty imposed for early withdrawal on CD's. 
The annual percentage yield assumes interest will remain on deposit until maturity.

 

 IRA (Traditional IRA, Roth IRA and Education IRA)
Minimum Deposit $500.00
Minimum Balance $500.00
TDOA Minimum Deposit $100.00
 

Term	Annual Percentage Yield	Interest Rates
18 Month	.45	.45
30 Month	0.65	0.65
TDOA	0.75	0.75

All rates are subject to change after account is open
The Annual Precentage Yield is accurate as of 03/06/2013
A penalty imposed for early withdrawal on CD's. 
The annual percentage yield assumes interest will remain on deposit until maturity.

For reference only, please call a Customer Service Representative for current rates and conditions at (606)598-6111.

Deposit Accounts

Account Type	Minimum Opening  Deposit	Annual Percentage Yield	Interest Rates
Super Now Account	$1,000.00	.10	.10
Personal Money Market	$1,000.00	.15	.15
Non Personal Money Market	$5,000.00	.15	.15
Statement Savings	$100.00	.15	.15
Vacation Club	$2.00	1.00	1.00
Christmas Club	$2.00	1.00	1.00

     There will be an early close fee of $15.00 for any account that is closed within 180 days of opening.
All rates are subject to change after account is open
The Annual Precentage Yield is accurate as of 03/06/2013

Minimum Balance to open accounts:
Checking Account $100.00
Super Now Account $1000.00 
(A service charge fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle)
Personal Money Market $1,000.00
 (A service charge fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle)
Non Personal Money Market $5,000.00
(A service charge fee of $25.00 will be imposed every statement cycle if the balance in the account falls below $5,000.00 any day of the cycle)
Statement Savings $100.00
A maintence fee of $2.00 will be imposed every month if the daily balance of the account falls below $100.00 any day of the cycle.  You may make six (6) transfers from your accuont each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and are payable to third parites.  Transfers and withdrawals made in person, by messanger, by mail or at an ATM are unlimted.
Vacation/Christmas Club $2.00

Mortgage and Loan Rates

Please contact any of our Loan Officers for current Loan Rates (606) 598-6111