Rates

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Balance	APY*	ATM Refunds	Minimum Balance	Nature of Compounding	Penalty
Up to $25,000**	1.56%	Up to $20.00 per cycle††	NONE†	Interest will be compounded daily and will be credited to your account monthly	NONE
Excess balance over $25,000.00**	0.26%
Requirements not met**	0.10%

* Annual Percentage Yield

**Qualifications for each monthly qualification cycle: 1. Have at least 10 debit card purchases post and clear per qualification cycle (excludes ATM withdrawals), 2. Have at least one direct deposit or ACH debit post and clear per qualification cycle, 3. Receive electronic statements.

†Minimum deposit to open account is $50.00. No minimum balance to earn rewards or maintain account.

††ATM fees are refunded only if qualifications are met. For more information, click here.

Other Deposit Accounts

Account Type	Interest Rate	APY*	Minimum Balance	Nature of Compounding	Penalty
Regular Savings	0.20%	0.20%	$100.00 to avoid a $10.00 quarterly service charge $25.00 for account to remain open	Quarterly	6 free w/d, $1.00 charge for each thereafter, no interest paid if balance is less than $100.00
Junior Account	0.20%	0.20%	$5.00	Quarterly	6 free w/d, $1.00 charge for each thereafter
Christmas Club	0.20%	0.20%	$1.00	Simple interest paid at club year end	No withdrawals
Now Account	0.05%	0.05%	$500.00	Daily balance & interest paid monthly	$10.00 if balance falls below $500.00
Money Market Plus	0.05%	0.05%	$1,000.00	Daily balance & interest paid monthly	$15.00 if balance falls below $1,000.00. Transfers are limited to six per statement cycle.
	0.15%	0.15%	$25,000.00
	0.25%	0.25%	$50,000.00
	0.30%	0.30%	$100,000.00
Prime Benefits and Foundation Club	0.05%	0.05%	$2,500.00	Daily balance & interest paid monthly	No interest is paid if balance is less than $2,500.00

* Annual Percentage Yield

Certificate of Deposit (CD's)

Account Type	Interest Rate	APY*	Minimum Balance	Nature of Compounding	Penalty
3 Month	.10%	.10%	$500.00	Paid at maturity	3 month interest
6 Month	.20%	.20%	$500.00	Simple interest monthly or compounded quarterly	3 month interest
12 Month	.30%	.30%	$500.00	quarterly optional	3 month interest
18 Month	.45%	.45%	$500.00	quarterly optional	6 month interest
24 Month	.60%	.60%	$500.00	quarterly optional	6 month interest
30 Month	.75%	.75%	$500.00	quarterly optional	6 month interest
36 Month	.90%	.90%	$500.00	quarterly optional	6 month interest
48 Month	1.00%	1.00%	$500.00	quarterly optional	12 month interest
60 Month	1.35%	1.36%	$500.00	quarterly optional	12 month interest

* Annual Percentage Yield

Automatically renewable at current rates.

SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL

IRA Rates

Account Type	Minimum Amount	Interest Rate	APY*
6 Month	$500.00	.25%	.25%
12 Month	$500.00	.30%	.30%
18 Month Fixed	$500.00	.55%	.55%
24 to 30 Month	$500.00	.80%	.80%
36 to 48 Month	$500.00	1.00%	1.00%

* Annual Percentage Yield

May Not Withdraw From Accounts Until Age 59 1/2 Without Substantial Penalty. Interest Is Added Quarterly.

MEMBER FDIC

Our Investment Options will give you competitive rates, giving you the banking edge at a price you can afford. If you need further information on any of these products, simply call us at 217-897-1136 in Fisher or 217-586-1136 in Mahomet.