Rate Schedule This Rate Chart contains information about interest rates and annual percentage yields for some of the accounts we offer.
	Account Product Name						Minimum Opening Deposit		Minimum Balance to Obtain Annual Percentage Yield			Interest Rate	Annual Percentage Yield
	3-Month CD^a						$500.00		$500.00^c			1.78%	1.79%
	6-Month CD^a						$500.00		$500.00^c			2.53%	2.56%
	9-Month CD^a						$500.00		$500.00^c			3.34%	3.39%
	12-Month CD^a						$500.00		$500.00^c			2.47%	2.49%
	18-Month CD^a						$500.00		$500.00^c			3.05%	3.09%
	24-Month CD^a						$500.00		$500.00^c			2.47%	2.49%
	30-Month CD^a						$500.00		$500.00^c			2.66%	2.69%
	36-Month CD^a						$500.00		$500.00^c			3.94%	4.00%
	48-Month CD^a						$500.00		$500.00^c			3.35%	3.39%
	60-Month CD^a						$500.00		$500.00^c			3.15%	3.19%
	18-Month TDOA^a,b						$250.00					1.84%	1.85%
	Century Money Market Deposit Account^b						$10,000.00		$10,000.00^c
	Daily Balances of:			up to $24,999.99								1.01%	1.01%
	$25,000.00 - 49,999.99											1.18%	1.19%
	$50,000.00 - 149,999.99											1.28%	1.29%
	$150,000.00 - 999,999.99											1.38%	1.39%
	Executive Money Market^b						$20,000.00		$20,000.00^c
	Daily Balances of:			up to $99,999.99								1.28%	1.29%
	$100,000.00 - 249,999.99											1.48%	1.49%
	$250,000.00 - 999,999.99											1.58%	1.59%
	HomeTown Plus Checking^b						$200.00		$1,000.00^c			0.30%	0.30%
	Senior Plus Checking^b						$200.00		$200.00^c
	Daily Balances of:			$200.00 - 2,499.99								0.30%	0.30%
	$2,500.00 and up											0.30%	0.30%
	Choice Checking^b						$1,000.00		$1,000.00^c			0.30%	0.30%
	Business Checking Plus^b						$1,000.00		$1,000.00^c
	Portion of Your Daily Balance:			$900.00 - 2,499.99								.50%	.50%
	$2,500.00 - 999,999.99											1.00%	(.50% -1.00%)
	Basic Savings^b						$100.00		$0.01^c			.30%	.30%
	Young Peoples Savings^b						$1.00		$1.00^c			.30%	.30%
	Christmas Club^b						$3.00		$3.00^c			.80%	.80%
	Car Rates
	Model Year	Term (Mo.)	Interst Rate
	2007 & 2008	0-60	6.25
		61-66	6.75
		67-72	7.25
	2006	1-60	6.35
		61-66	6.75
		67-72	7.25
	2005	0-60	6.50
		61-66	6.95
	2004	0-60	6.50
		61-66	7.00
	2003	48	7.00
	2002	48	8.75
	a) A penalty will be imposed for early withdrawal. b) The interest rate and annual percentage yield may change after account opening. c) Daily balance. The amount of the principle in the account each day. Fees could reduce the earnings on the account. Interest Rates and Annual Percentage Yields are effective 6/24/2008 to 7/1/2008 All efforts are made to update the deposit rates as soon as possible but they may have changed since the effective date above but have not been updated on this site. For current loan rate information call: 812-897-0230 or 812-842-BANK
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