Union State Bank CD Rates

Certificate of Deposit

Interest Rates as of 7/27/2010
Minimum Deposit on All CD’s is $1,000
Interest Rates are for all CD’s Regardless of Amount

Term Compounding Schedule Annual Yield (APY)
3 Months Quarterly 0.45 %
6 Months Quarterly 0.65 %
12 Months Quarterly 0.95 %
18 Months Quarterly 1.10 %
24 Months Quarterly 1.30 %

Investor's Choice

Term Compounding Schedule Annual Yield (APY)
36 Months Quarterly 1.45 %
60 Months Quarterly 1.90 %

Individual

Term Compounding Schedule Annual Yield (APY)
18 Months Quarterly 1.10 %
36 Months * Quarterly 1.45 %
60 Months * Quarterly 1.90 %


*Investor’s Choice IRA’s
Penalty for Early Withdrawal on all Certificates of Deposit

Money Market, NOW & Savings Accounts

Interest Rates as of 7/27/2010
Money Market Account *
Minimum Deposit to Open: $1,000

Balance Range Annual Yield (APY)
$0 to $999.99 0.10 %
$1000.00 to $24,999.99 0.20 %
$25,000.00 to $49,999.99 0.35 %
$50,000.00 to $99,999.99 0.60 %
$100,000.00 & Up 1.10 %

Now Accounts *

Minimum Deposit to Open: $1,000

Minimum Deposit Compounding Schedule Annual Yield (APY)
$1000.00 Monthly 0.15 %

Silver Advantage Now Accounts *

Minimum Deposit to Open: $1,000

Balance Range Annual Yield (APY)
$0 to $999.99 0.00 %
$1,000.00 to $9,999.00 0.15 %
$10,000.00 & Up 0.25 %

Savings Accounts *

Minimum Deposit Compounding Schedule Annual Yield (APY)
$25.00 Quarterly 0.25 %

** Youth Saver's Accounts *

Minimum Deposit Compounding Schedule Annual Yield (APY)
$25.00 Quarterly 1.25 %

** Stash Your Cash*

Minimum Deposit Compounding Schedule Annual Yield (APY)
$25.00 Quarterly 0.80 %

* The Interest Rate May Change after Money Market, NOW & Savings Accounts are open
* The APY (Annual Percentage Yield) assumes the principal & its interest will remain on deposit for a full year at the listed rate or until maturity.
* Withdrawals, fees and other conditions could reduce earnings. The accounts shown may require a minimum daily balance and /or impose a penalty for early withdrawal. Please refer to the attached disclosure for information or contact your account representative.
* If the account balance falls below the Minimum, any day of the Statement period, a $10.00 fee will be charged to the account.
* On the Tiered MMKT account, if the balance falls below the minimum, the interest rate reverts to the savings account rate.
** Eligible up to 16 years of age.

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