Rates effective as of 05/14/08
Deposit Rates
Type    APY
CHECKING & SAVINGS ACCOUNTS *   
  
First Choice Checking    .25%
.....(Minimum Balance to Open is $200.00)   
Senior First Choice Checking    .25%
.....(Minimum Balance to Open is $200.00)   
Senior Citizen's Checking    .25%
.....(Minimum Balance to Open is $200.00)   
NOW Account    .25%
.....(Minimum Balance to Open is $1500.00)   
Money Market Account    .30%
.....(Minimum Balance to Open is $2500.00)   
Passbook Savings    .50%
.....(Minimum Balance to Open is $50.00)   
Community Savings    1.19%
.....(Minimum Balance to Open is $10000.00)   
  
  
CERTIFICATES OF DEPOSIT (CDs) *   
  
32 Days    .50%
.....(Minimum Balance to Open is $1000.00)   
91 Days    1.00%
.....(Minimum Balance to Open is $1000.00)   
6 Months    1.27%
.....(Minimum Balance to Open is $1000.00)   
9 Months    1.26%
.....(Minimum Balance to Open is $1000.00)   
12 Months    1.76%
.....(Minimum Balance to Open is $1000.00)   
18 Months    2.01%
.....(Minimum Balance to Open is $1000.00)   
24 Months    2.01%
.....(Minimum Balance to Open is $1000.00)   
36 Months    2.26%
.....(Minimum Balance to Open is $1000.00)   
  
  
Individual Retirement Accounts (IRAs) *   
1 Year (Fixed Rate)    2.01%
.....(Minimum Balance to Open is $1000.00)   
1 Year (Variable Rate)    2.29%
.....(Minimum Balance to Open is $250.00)   
30 Months (Fixed Rate)    2.52%
.....(Minimum Balance to Open is $1000.00)   
HSA    0.50%
.....(Minimum Balance to Open is $200.00)   
 
* APY = Annual Percentage Yield. Rates are accurate as of the date posted above and are subject to change at any time. Fees could reduce Annual Percentage Yield. A penalty may be imposed for early withdrawal. Annual Percentage Yields are based on quarterly compounding for Certificates of Deposit; monthly compounding for Money Market and Interest Bearing Checking Accounts; and daily compounding for Passbook Savings and Community Savings Accounts. Certificates of Deposits are automatically renewable. The interest rate for the Variable IRA may change after the account is opened. *** Please contact a New Accounts Representative for a full disclosure of any of the above accounts by calling (618)687-1711 or in writing/person at The First Bank & Trust Company of Murphysboro, 1403 Walnut St. P.O. Box 219, Murphysboro IL 62966.
NOTICE: