Union State Bank
Interest Rates as of 02/01/2012

CERTIFICATES OF DEPOSIT
Minimum Deposit on all CD’s is $1,000.00
Interest Rates Apply to all CD’s regardless of principal balance
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.

Term	Compounding Schedule	Annual Yield (APY) %
3 months	Quarterly	0.20
6 months	Quarterly	0.30
12 months	Quarterly	0.65
18 Months	Quarterly	0.75
24 Months	Quarterly	0.90

 

INVESTOR’S CHOICE CD’S
Investor’s Choice CD’s offer the customer an opportunity to raise their interest rate in the event our interest rates increase during the term of their CD.
24 month Investor’s Choice is allowed one increase / “bump up” during the term
36 month and 60 month Investor’s Choice CD’s are allowed two increases / “bump ups” during the term
Minimum Deposit on all CD’s is $1,000.00
Interest Rates Apply to all CD’s regardless of principal balance
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.

Term	Compounding Schedule	Annual Yield (APY) %
36 months	Quarterly	1.10
60 months	Quarterly	1.70

 

INDIVIDUAL RETIREMENT ACCOUNTS (IRA’S)
36 month and 60 month IRA’s are also Investor’s Choice CD’s with the same “bump up” privileges
Minimum Deposit on all CD’s is $1,000.00
Interest Rates Apply to all CD’s regardless of principal balance
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.

Term	Compounding Schedule	Annual Yield (APY) %
18 months	Quarterly	0.75
36 months	Quarterly	1.10
60 months	Quarterly	1.70

 

NOW Accounts
The Interest Rate may change after NOW Accounts are opened.
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.
If the account balance falls below the Minimum, any day of the Statement period, a $10.00 maintenance fee will be charged to the account. Withdrawals, fees and other conditions could reduce earnings.  Please refer to account disclosure for information or contact your account representative.

Minimum Deposit	Compounding Schedule	Annual Yield (APY) %
$1,000.00	Monthly	0.05

 

SILVER ADVANTAGE NOW Accounts
The Interest Rate may change after Silver Advantage NOW Accounts are opened.
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.  Please refer to account disclosure for information or contact your account representative.

Balance Range From	Balance Range To	Annual Yield (APY) %
$0.00	$999.99	0.00
$1,000.00	$9,999.99	0.05
$10,000.00	& up	0.10

 

TIERED MONEY MARKET Accounts
The Interest Rate may change after Money Market Accounts are opened.
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.
If the account balance falls below the Minimum, any day of the Statement period, a $10.00 maintenance fee will be charged to account and the interest rate will revert to the Savings account rate. Withdrawals, fees and other conditions could reduce earnings.  Please refer to account disclosure for information or contact your account representative.
               

Balance Range From	Balance Range To	Annual Yield (APY) %
$0.00	$999.99	0.05
$1,000.00	$24,999.99	0.10
$25,000.00	$49,999.99	0.15
$50,000.00	$99,999.99	0.30
$100,000.00	& up	0.65

SAVINGS ACCOUNTS
The Interest Rate may change after Savings Accounts are opened.
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.  Please refer to the account disclosure for information or contact your account representative.
Stash your Cash Accounts require a monthly deposit.  3 consecutive months without deposits will cause the interest rate to revert to the rate of the Savings account product.

Account	Minimum Deposit	Compounding Schedule	Annual Yield (APY) %
Savings Account	$25.00	Quarterly	0.15
Stash Your Cash	$25.00	Quarterly	0.45
Youth Saver’s (Eligible up to age 16)	25.00	Quarterly	0.70