Interest Rates

First Bank of the Lake Rates (Effective 07/19/2010)

For Further Information Please Call:
573-348-2265 or 573-964-5300

Certificate of Deposits

Minimum Opening Balance = $1,000.00

Rates Subject To Change without Notice

3 Months 0.10 (0.10 APY)*
6 Months 0.25 (0.25 APY)*

* Compounding Frequency - Maturity
* APY = Annual Percentage Yield
* Substantial penalty for early withdrawal

12 Months 1.05 (1.05 APY)*
18 Months 1.15 (1.16 APY)*
24 Months 1.25 (1.26 APY)*
30 Months 1.45 (1.46 APY)*
36 Months 1.45 (1.46 APY)*
48 Months 1.65 (1.66 APY)*
60 Months 2.00 (2.02 APY)*

* COMPOUNDING FREQUENCY - QUARTERLY
* APY assuming automatic renewal for 1 yr
* Substantial penalty for early withdrawal

IRA Account

Rates are the same as for regular certificates of deposit. No IRA accounts are opened for a period of less than 12 months.

Interest Bearing Checking

0.01% / 0.01% APY

Statement Savings

.30% / .20% APY

Statement Savings

$0 to $199.00 = $1.00 per month maintenance fee

Money Market Accounts

$0 - $24,999.99 = .05% / .05% APY
$25,000.00 - $49,999.99 = .10% / .10% APY
$50,000.00 - $99,999.99 = .15% / .15% APY
$100,000.00 and up = .20% / .20% APY

Money Market Accounts

$0 to $999.99 = $8.50 per month maintenance fee

Daily interest on collected balances paid monthly. Daily interest not paid when balance falls below $1,000.00.

*Rates subject to change at anytime

Fees could reduce earnings on account

FDIC - Member Federal Deposit Insurance Corporation