Rates effective as of 12/15/09
Residential Mortgage Loans
Type    Term    Rate    APR    Points    Down Payment
Long Term Fixed Rate Mortgages       For Rate, Term and other Product Information contact Kaye at (308) 368-5555         
 
Deposit Rates
Type    APY
***CERTIFICATES OF DEPOSIT***   
(Rates shown are for Minimum Balance to open of $25,000)   
90 Day Certificate of Deposit    0.45
6 Month Certificate of Deposit    0.90
12 Month Certificate of Deposit    1.41
18 Month Certificate of Deposit    1.66
24 Month Certificate of Deposit    1.91
30 Month Certificate of Deposit    2.07
36 Month Certificate of Deposit    2.17
42 Month Certificate of Deposit    2.27
48 Month Certificate of Deposit    2.37
60 Month Certificate of Deposit    2.47
39 Month Step-Up Certificate of Deposit (Customer may request 1 rate change anytime and receive current 39 Month rate)    2.27
  
***SAVINGS ACCOUNTS***   
Personal Savings Account    0.25
  
***NOW ACCOUNTS***   
NOW Account    0.25
  
***MONEY MARKET ACCOUNTS*** (Minimum to Open $500.00)   
Money Market Under $2500    0.25
Money Market $2,500 to $24,999.99    0.75
Money Market $25,000 to $49,999.99    1.00
Money Market $50,000 to $74,999.99    1.16
Money Market $75,000 to $99,999.99    1.31
Money Market $100,000 to $199,999.99    1.46
Money Market $200,000 to $299,999.99    1.61
Money Market $300,000 to $499,999.99    1.76
Money Market $500,000 and over    1.92
  
***SAVINGS IRA ACCOUNTS***   
Savings IRA $0 to $9,999.99    1.76
Savings IRA $10,000 to $49,999.99    2.02
Savings IRA $50,000 to $99,999.99    2.27
Savings IRA $100,000 and Over    2.53
 
"APY" stands for Annual Percentage Yield. Savings, Money Market, NOW, and Savings IRA Account rates are subject to change after opening. Fees and withdrawal of interest may reduce earnings. Certificate of Deposit Accounts: Penalty for early withdrawal.
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