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

Term	Annual Percentage  Yield	Interest Rates
1 Month	.20	.20
3 Months	.20	.20
182 Days	.35	.35
12 Months	.55	.55
18 Months	.65	.65
24 Months	0.80	0.80
30 Months	0.90	0.90
36 Months	1.15	1.15
48 Months	1.40	1.41
60 Months	1.80	1.81

       Certificate of Deposit

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

Term	Annual Percentage Yield	Interest Rates
1 Month	.25	.25
3 Months	.30	.30
6 Months	.45	.45
12 Months	.65	.65

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

Term	Annual Percentage Yield	Interest Rates
18 Month	.65	.65
30 Month	0.90	0.90
TDOA	1.50	1.51

CD RATES!  All Rates accurate as of 1/18/2012
Rates subject to change without notice.
Call for current rates.             
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	.15	.15
Personal Money Market	$1,000.00	.30	.30
Non Personal Money Market	$5,000.00	.30	.30
Statement Savings	$100.00	.30	.30
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
Rates accurate as of 1/18/2012
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.  No transfers by check, draft, or third parties are allowed.  You are limited to 6 debits from your account each calendar month.  A fee of $2.00 will be imposed for each subsequent debit.
Vacation/Christmas Club $2.00

Mortgage and Loan Rates

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

 Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from Deccember 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transacation account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs") . It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.