FDIC


Deposit Rates


Certificate of Deposit*  Deposit Accounts

Annual Percentage Yields And Interest Rates Are Effective:
August 31, 2010 - September 7, 2010
For current rate information call (618) 243-5234.

Certificate Term
Minimum Balance
To Obtain APY
Interest Rate
Annual Percentage Yield
7-31 Day $5000 .40% .40%
91 Day $2500 .50% .50%
182 Day $2500 1.05% 1.05%
9 Month $1000 1.05% 1.05%
12 Month $500 1.15% 1.15%
15 Month $1000 1.15% 1.15%
21 Month $1000 1.35% 1.36%
24 Month $1000 1.55% 1.55%
30 Month $500 1.85% 1.86%
48 Month $500 2.50% 2.51%
60 Month $500 2.85% 2.87%
18 Month IRA Var $500 1.30% 1.31%
*Substantial penalty for early withdrawal

DDA Accounts
Minimum
Balance
To Avoid Service Charge
Interest
Rate
Annual Percentage
Yield
NOW Account $1,000 -or- Average of $2,000 .40% .40%
Money Market Account $2,500 1.00% 1.00%
Passbook Savings N/A 0.85% 0.85%


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