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Deposit Rates

Loan Rates

Deposit Rates
Rates Effective as of May 1, 2008
Rates Subject to change at any time
Member FDIC

Account Type  Minimum
Opening
Deposit 
Minimum
Balance
To
Obtain
APY 
Interest
Rate 
Annual
Percentage
Yield (APY) 
Treasury Index MMK $100,000+ 
$1,000.00  $0.01  0.82%  0.82%(3) 
Treasury Index MMK $50,000+ 
$1,000.00  $0.01  0.50%  0.49%(3) 
Treasury Index MMK $25,000+ 
$1000.00  $0.01  .50%  .49%(3) 
Treasury Index MMK $10,000+ 
$1000.00  $0.01  .50%  .49%(3) 
Treasury Index MMK $<$10,000 
$1,000.00  $0.01  .50%  .49%(3) 
The Works Checking  
$100.00  $.01  .25%  .24%(3) 
Community Partner Checking 
$1000.00  $0.01  2.25%  2.27%(3) 
Savings $4,999 or less 
$50.00  $0.01  .20%  .19%(3) 
Savings $4,999.01-$9,999.00 
$50.00  $0.01  .30%  .30%(3) 
Savings $9,999.01-$24,999.00 
$50.00  $0.01  .50%  .49%(3) 
Savings $24,999.01+ 
$50.00  $0.01  .75%  .75%(3) 
182 Day CD $25,000+ 
$25,000.00  $25,000.00  2.29%  2.30% 
182 Day CD $10,000-$24,999.99 
$10,000.00  $10,000.00  2.19  2.20% 
182 Day CD $1,000-$9,999.99 
$1,000.00  $1,000.00  2.09%  2.10% 
91 Day CD 
$1,000.00  $1,000.00  1.99%  2.00% 
9 Month CD**IT'S BACK**  $5,000.00  $5,000.00  2.48%  2.50% 
12 Month CD *SPECIAL*  $1,000.00  $1,000.00  2.73%  2.75%(4) 
14 Month CD  
$5,000.00  $5,000.00  2.53%  2.55%(4) 
15 Month CD 
$1,000.00  $1,000.00  2.53%  2.55%(4) 
18 Month CD*SPECIAL*  $1,000.00  $1,000.00  2.98%  3.00%(4) 
21 Month CD 
$1,000.00  $1,000.00  2.63%  2.65%(4) 
23 Month CD 
$5,000.00  $5,000.00  2.63%  2.65(4) 
24 Month CD 
$1,000.00  $1,000.00  2.73%  2.75%(4) 
27 Month CD (Bump-up) 
$1,000.00  $1,000.00  2.73%  2.75% 
30 Month CD *SPECIAL*   $1,000.00  $1,000.00  3.08%  3.10%(4) 
35 Month CD  
$5,000.00  $5,000.00  2.98%  3.00%(4) 
36 Month CD  
$1,000.00  $1,000.00  2.98%  3.00%(4) 
42 Month CD  
$1,000.00  $1,000.00  2.98%  3.00%(4) 
48 Month CD 
$1,000.00  $1,000.00  3.03%  3.05%(4) 
60 Month CD  
$1,000.00  $1,000.00  3.08%  3.10%(4) 
18m Variable Family Growth CD *Only available to FAMILY BANKING MEMBERS* Ask how you can become a member of this group TODAY!   $25.00 WOW! You can add to this CD anytime!  $1,000.00  1.60%  1.61%(1) 
18m Variable Family Growth CD 
$25.00  $.01  .20%  .20%(1) 
College Fund Account 
$100.00  $100.00  2.00%  2.01%(1) 
18 Month Variable Rate IRA 
$10.00  $10.00  1.60%  1.61%(1)(4) 
30 Month Fixed Rate IRA 
$10.00  $10.00  3.07%  3.11%(4) 

(1) Variable interest rate may change after the account is opened
(2) Fees may reduce the earnings on the account
(3) Variable interest rate may change after the account is opened and fees may reduce the earnings of the account
(4) May be used for Traditional and Roth IRAs

Penalty for early withdrawal on certificates of deposit (CD)
Please contact a Customer Service Representative for futher information and applicable disclosures

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Freeport, Rockford, Belvidere, Mt. Morris

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