Rates

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Balance	APY*	ATM Refunds	Minimum Balance	Nature of Compounding	Penalty
Up to $25,000**	3.05%	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**	0.51%
Requirements not met**	0.16%

* Annual Percentage Yield

** Requirements for each cycle: 1) 10 debit card (excluding ATM) transactions per cycle, 2) One direct deposit or ACH transaction, 3) Receive electronic statements

*** Minimum balance to open account is $50.00, no minimum balance requirement after account is opened

****ATM refunds are only if requirements are met

Other Deposit Accounts

Account Type	Rate	APY*	Minimum Balance	Nature of Compounding	Penalty
Regular Savings	0.30%	0.30%	$100.00	Quarterly	6 free w/d, $1.00 charge for each thereafter, no interest paid if balance is less than $100.00
Junior Account	0.30%	0.30%	$5.00	Quarterly	6 free w/d, $1.00 charge for each thereafter
Christmas Club	0.30%	0.30%	$1.00	Simple interest paid at club year end	No withdrawals
Now Account	0.20%	0.20%	$500.00	Daily balance & interest paid monthly	$10.00 if balance falls below $500.00
Money Market Plus	0.30%	0.30%	$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.
	0.40%	0.40%	$25,000.00
	0.55%	0.55%	$50,000.00
	0.85%	0.85%	$100,000.00
Prime Benefits and Foundation Club	0.20%	0.20%	$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	Rate	APY*	Minimum Balance	Nature of Compounding	Penalty
3 Month	.40%	.40%	$500.00	Paid at maturity	1 month interest
6 Month	.75%	.75%	$500.00	Simple interest monthly or compounded quarterly	1 month interest
12 Month	1.00%	1.00%	$500.00	quarterly optional	1 month interest
18 Month	1.15%	1.16%	$500.00	quarterly optional	3 month interest
24 Month	1.45%	1.46%	$500.00	quarterly optional	3 month interest
30 Month	1.60%	1.61%	$500.00	quarterly optional	3 month interest
36 Month	1.80%	1.81%	$500.00	quarterly optional	3 month interest
48 Month	1.85%	1.86%	$500.00	quarterly optional	3 month interest
60 Month	2.10%	2.12%	$500.00	quarterly optional	3 month interest

* Annual Percentage Yield

Automatically renewable at current rates.

SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL

IRA Rates

Account Type	Minimum Amount	Rate	APY*
6 Month	$500.00	.85%	.85%
12 Month	$500.00	1.10%	1.11%
18 Month Fixed	$500.00	1.25%	1.26%
24 to 30 Month	$500.00	1.70%	1.71%
36 to 48 Month	$500.00	2.00%	2.02%

* Annual Percentage Yield

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

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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.