Rates effective as of 09/06/10
Deposit Rates
Type    APY
CHECKING & SAVINGS ACCOUNTS    Annual Percentage Yield (APY)
First Choice Checking    .15%*
.....(Minimum Balance to Open is $200.00)   
Senior First Choice Checking    .15%*
.....(Minimum Balance to Open is $200.00)   
Senior Citizen's Checking    .15%*
.....(Minimum Balance to Open is $200.00)   
NOW Account    .15%*
.....(Minimum Balance to Open is $1500.00)   
Money Market Account    .25%*
.....(Minimum Balance to Open is $2500.00)   
Passbook Savings    .30%*
.....(Minimum Balance to Open is $50.00)   
Community Savings    .36%*
.....(Minimum Balance to Open is $10000.00)   
  
CERTIFICATES OF DEPOSIT (CDs)   
32 Days    .50%**
.....(Minimum Balance to Open is $1000.00)   
91 Days    .51%**
.....(Minimum Balance to Open is $1000.00)   
6 Months    .72%**
.....(Minimum Balance to Open is $1000.00)   
9 Months    1.01%**
.....(Minimum Balance to Open is $1000.00)   
12 Months    1.05%**
.....(Minimum Balance to Open is $1000.00)   
15 Months    1.05%**
.....(Quarterly Interest and Minimum Balance to Open is $1000.00)   
18 Months    1.51%**
.....(Minimum Balance to Open is $1000.00)   
24 Months    1.76%**
.....(Minimum Balance to Open is $1000.00)   
36 Months    2.01%**
.....(Minimum Balance to Open is $1000.00)   
  
INDIVIDUAL RETIREMENT ACOUNTS (IRAs)   
1 Year (Fixed Rate)    1.05%**
.....(Minimum Balance to Open is $1000.00)   
1 Year (Variable Rate)    1.05%**
.....(Minimum Balance to Open is $250.00)   
  
HSA    .30%**
 
APYs 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.