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

Term	Annual Percentage  Yield	Interest Rates
1 Month	.40	.40
3 Months	.50	.50
182 Days	.70	.70
12 Months	1.21	1.20
18 Months	1.31	1.30
24 Months	1.41	1.40
30 Months	1.41	1.40
36 Months	1.81	1.80
48 Months	2.02	2.00
60 Months	2.53	2.50

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

Term	Annual Percentage Yield	Interest Rates
1 Month	.55	.55
3 Months	.60	.60
6 Months	.70	.70
12 Months	1.41	1.40

 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	1.31	1.30
30 Month	1.41	1.40
TDOA	2.02	2.00

CD RATES!  All Rates accurate as of 8/30/10  
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 Deposit	Annual Percentage Yield	Interest Rates
Super Now Account	$1,000.00	.40	.40
Personal Money Market	$1,000.00	.50	.50
Non Personal Money Market	$5,000.00	.50	.50
Statement Savings	$100.00	.60	.60
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 8/30/10.
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 service charge fee of $1.00 will be imposed every month if the balance in the account falls below $100.00 any day of the cycle)
Vacation/Christmas Club $2.00

Mortgage and Loan Rates

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