Rates

Rates effective July 29th, 2010

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BalanceAPY*ATM RefundsMinimum BalanceNature of CompoundingPenalty
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 monthlyNONE
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 TypeRateAPY*Minimum BalanceNature of CompoundingPenalty
Regular Savings0.30%0.30%$100.00Quarterly 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%$5.00Quarterly 6 free w/d, $1.00 charge for each thereafter
Christmas Club0.30%0.30%$1.00Simple interest paid at club year endNo withdrawals
Now Account0.20%0.20%$500.00Daily balance & interest paid monthly$10.00 if balance falls below $500.00
Money Market Plus0.30%0.30%$1,000.00Daily 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 Club0.20%0.20%$2,500.00Daily balance & interest paid monthlyNo interest is paid if balance is less than $2,500.00

* Annual Percentage Yield

Certificate of Deposit (CD's)

Account TypeRateAPY*Minimum BalanceNature of CompoundingPenalty
3 Month .40% .40%$500.00Paid at maturity1 month interest
6 Month .75% .75%$500.00Simple interest monthly or compounded quarterly1 month interest
12 Month1.00%1.00%$500.00quarterly optional1 month interest
18 Month1.15%1.16%$500.00quarterly optional3 month interest
24 Month1.45%1.46%$500.00quarterly optional3 month interest
30 Month1.60%1.61%$500.00quarterly optional3 month interest
36 Month1.80%1.81%$500.00quarterly optional3 month interest
48 Month1.85%1.86%$500.00quarterly optional3 month interest
60 Month2.10%2.12%$500.00quarterly optional3 month interest

* Annual Percentage Yield

Automatically renewable at current rates.

SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL

IRA Rates

Account TypeMinimum AmountRateAPY*
6 Month$500.00 .85% .85%
12 Month$500.001.10%1.11%
18 Month Fixed$500.001.25%1.26%
24 to 30 Month$500.001.70%1.71%
36 to 48 Month$500.002.00%2.02%

* 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.

Fisher National Bank is participating in the FDICʼs Transaction Account Guarantee Program