Personal Banking

CDs & IRAs Rates

Interest rates and annual percentage yields are accurate as of March 31, 2012.

A penalty may be imposed for early withdrawal of certificates. Fees could reduce earnings on the account.

These rates are available to in-market retail customers. Special rate quotes will be provided by the corporate office for brokered funds, financial institutions, large companies, or public funds.

Time Deposits

Account Name	Minimum Opening Balance	Min Daily Balance to earn APY	Interest Rate	APY
7-31 Day CD	$500	$500	0.15%	0.15%
32-89 Day CD	500	500	0.20%	0.20%
90-181 Day CD	500	500	0.25%	0.25%
182-364 Day CD	500	500	0.50%	0.50%
1 year CD and IRA	500	500	0.65%	0.65%
15 Month CD	500	500	0.70%	0.70%
18 Month CD	500	500	0.75%	0.75%
2 year CD and IRA	500	500	1.00%	1.00%
30 Month CD	500	500	1.10%	1.11%
3 Year CD and IRA	500	500	1.15%	1.16%
4 Year CD and IRA	500	500	1.35%	1.36%
5 Year CD and IRA	500	500	1.35%	1.36%
Variable IRA account	500	500	0.33%	0.33%

** Rates may change after account is opened.
** Depending on account type, if balance falls below minimum balance a service charge may apply.

For further rate information contact the State Bank at 903-667-2553.