Interest Rates

First Bank of the Lake Rates (Effective 08/01/2008)

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 2.00 (2.02 APY)*
6 Months 2.10 (2.11 APY)*

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

12 Months 2.60 (2.63 APY)*
18 Months 2.80 (2.83 APY)*
24 Months 3.00 (3.03 APY)*
30 Months 3.20 (3.24 APY)*
36 Months 3.40 (3.44 APY)*
48 Months 3.70 (3.75 APY)*
60 Months 3.90 (3.96 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

0.50% / 0.50% APY

Statement Savings

1.00% / 1.00% APY

Statement Savings

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

Money Market Accounts

$0 - $24,999.99 = .50% / .50% APY
$25,000.00 - $49,999.99 = 1.00% / 1.00% APY
$50,000.00 - $99,999.99 = 1.50% / 1.51% APY
$100,000.00 and up = 2.00% / 2.02% 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

FDIC - Member Federal Deposit Insurance Corporation