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Farmers Bank & Savings Co.
Interest Rates and Annual Percentage Yield
July 08, 2008 Thru July 14, 2008
Certificates of Deposit & IRA's
**Substantial Penalty for early withdrawl
| Term |
Rate % |
APY % |
| Less Than 6 Months |
1.95 |
1.96 |
| 6 - 11 Months |
2.15 |
2.17 |
| 12 - 23 Months |
2.45 |
2.48 |
| 24 - 35 Months |
2.75 |
2.78 |
| 36 - 47 Months |
3.00 |
3.04 |
| 48 - 59 Months |
3.25 |
3.30 |
| 60 Months or More |
3.50 |
3.56 |
| *IRA rates and terms are |
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| currently the same as |
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| the Time Deposits listed |
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| above. |
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**Terms less than one year require a $2,500 minimum deposit.
**Deposits outside the Bank's marketing area must be approved by a Bank Officer.
Farmers Bank Life Saver (Add-on CD)
| Term |
Rate % |
APY % |
| 36 - 60 mo |
1.86 |
1.87 | **$100 minimum deposit
**Interest compounded semi-annually
2
HIFI Account
| Account Balance |
Rate % |
APY % |
| $1,000 and up |
1.00 |
1.00 |
| Under $1,000 |
0.50 |
0.50 |
SUPERNOW
| Account Balance |
Rate % |
APY % |
| $1,000 and up |
0.50 |
0.50 |
| Under $1,000 |
0.00 |
0.00 |
Savings Account
| Account Balance |
Rate % |
APY % |
| $0 - $4,999.99 |
0.35 |
0.35 |
| $5,000 and up |
0.60 |
0.60 | **Variable Rate Accounts: subject to change weekly or at our discretion
**Fees could reduce earnings on these accounts
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