1st State Bank

Checking and Savings Accounts

Minimum balance to open Account Account Type Interest Rate APY*

Minimum balance to open Account Now Account Interest Rate APY*

$1,000.00 Less than $5,000.00 0.15% 0.15%

$5,000.00 but less than $25,000.00 0.20% 0.20%

$25,000.00 but less than $50,000.00 0.25% 0.25%

$50,000.00 but less than $75,000.00 0.30% 0.30%

$75,000.00 and above 0.50% 0.50%

Minimum balance to open and Obtained APY* Passbook Savings Account Interest Rate APY*

There is no minimum balance to open the account.

The minimum balance to obtain the APY is $5.00. 0.40% 0.40%

Minimum balance to open Account Health Savings Account Interest Rate APY*

$100.00 0.40% 0.40%

Minimum balance to open Account Tiered Money Market Account Interest Rate APY*

$5,000.00 Less than $5,000.00 0.35% 0.35%

$5,000.00 but less than $25,000.00 0.45% 0.45%

$25,000.00 but less than $50,000.00 0.55% 0.55%

$50,000.00 but less than $75,000.00 0.60% 0.60%

$75,000.00 and above 0.75% 0.75%

*APY = Annual Percentage Yield

**Interest will be compounded daily and credited to your account on a monthly basis on NOW and Money Market accounts. Interest will be compounded daily and credited on a quarterly basis on Passbook Savings accounts.

The interest rate and annual percentage yield may change at any time at our discretion. Interest begins to accrue on the business day you deposit non-cash items (for example checks) If you close your account before interest is paid you will not receive the accrued interest.

We use the average daily balance method to calculate the interest on your account. The average daily balance is calculated by adding the principal in the account each day and dividing the figure by the number of days in the period.
Fees may reduce earnings on the account.
Rates current as of 07/28/2010.

Certificates of Deposit

Term Minimum balance required to open and obtain APY is $500.00 APR APY*

91 Day $500.00 but less than $5,000.00 0.45% 0.45%

$5,000.00 but less than $25,000.00 0.50% 0.50%

$25,000.00 but less than $50,000.00 0.55% 0.55%

$50,000.00 but less than $75,000.00 0.60% 0.60%

$75,000.00 and above 0.65% 0.65%

182 Days $500.00 but less than $5,000.00 0.75% 0.75%

$5,000.00 but less than $25,000.00 0.80% 0.80%

$25,000.00 but less than $50,000.00 0.85% 0.85%

$50,000.00 but less than $75,000.00 0.95% 0.95%

$75,000.00 and above 1.00% 1.00%

12 Month $500.00 but less than $5,000.00 1.19% 1.20%

$5,000.00 but less than $25,000.00 1.24% 1.25%

$25,000.00 but less than $50,000.00 1.29% 1.30%

$50,000.00 but less than $75,000.00 1.34% 1.35%

$75,000.00 and above 1.39% 1.40%

18 Month $500.00 but less than $5,000.00 1.29% 1.30%

$5,000.00 but less than $25,000.00 1.34% 1.35%

$25,000.00 but less than $50,000.00 1.39% 1.40%

$50,000.00 but less than $75,000.00 1.44% 1.45%

$75,000.00 and above 1.49% 1.50%

24 Month $500.00 but less than $5,000.00 1.59% 1.60%

$5,000.00 but less than $25,000.00 1.64% 1.65%

$25,000.00 but less than $50,000.00 1.69% 1.70%

$50,000.00 but less than $75,000.00 1.74% 1.75%

$75,000.00 and above 1.79% 1.80%

36 Month $500.00 but less than $5,000.00 1.79% 1.80%

$5,000.00 but less than $25,000.00 1.84% 1.85%

$25,000.00 but less than $50,000.00 1.89% 1.90%

$50,000.00 but less than $75,000.00 1.94% 1.95%

$75,000.00 and above 1.99% 2.00%

48 Month $500.00 but less than $5,000.00 1.94% 1.95%

$5,000.00 but less than $25,000.00 1.99% 2.00%

$25,000.00 but less than $50,000.00 2.03% 2.05%

$50,000.00 but less than $75,000.00 2.08% 2.10%

$75,000.00 and above 2.13% 2.15%

*APY=Annual Percentage Yield

Interest begins to accrue on the business day you deposit noncash items (for example checks) If you close your account before interest is paid you will not receive the accrued interest.

You must maintain the required minimum balance in your account every day to obtain the annual percentage yield. The interest rate for your account is fixed and will be paid until the maturity date of your certificate. Interest begins to accrue on the business day you deposit noncash items (for example) checks. The APY assumes interest remains on deposit until maturity and a withdrawal of interest will reduce earnings. After the account is opened, you may not make Deposits into or withdrawals from the account until the maturity date. This account will automatically renew at maturity, unless otherwise state at the time of purchase. You will have 10 calendar days from the maturity date to withdraw your funds without being charged a penalty. If any of the deposit is withdrawn before the maturity date a penalty shown below will be imposed.

Early Withdrawal Penalty
Terms 12 months and under: 30 days interest
Terms over 12 months: 90 days interest

Rates are current as of 07/28/2010

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