Rates

Rates as of June 18, 2013.




Certificates of Deposit (CDs) and Individual Retirement Account (IRAs)

ProductInterest RateAPY*
1 Month0.08%0.08%
3 Months0.08%0.08%
6 Months0.19%0.19%
12 Months0.30%0.30%
18 Months0.30%

Renewal Only

0.30%

Renewal Only

24 Months0.51%0.51%
30 Months0.51%

Renewal Only

0.51%

Renewal Only

36 Months0.75%0.75%
48 Months1.01%1.01%
Variable Open End (IRA Only)0.30%0.30%

Certificate of Deposit Specials

($5,000 Minimum Deposit)

ProductInterest RateAPY*
9 Months0.31%0.31%
15 Months0.45%0.45%
19 Monhs0.51%0.51%

Checking Rates

ProductInterest RateAPY*
Super Plus Checking (NOW)0.03%0.03%
Hi –Fi Checking0.10%0.10%
Rewards Checking0.03%0.03%
E-Free Checking0.05%0.05%

Passport Checking (NOW)

AmountInterest RateAPY*
0 to $2,499.000.00%0.00%
$2,500 to $24,999.990.03%0.03%
$25,000 to $49,999.990.03%0.03%
$50,000 to $74,999.990.08%0.08%
$75,000 plus0.10%0.10%

First Choice Checking

AmountInterest RateAPY*
$2,500 to $9,999.990.04%0.04%
$10,000 to $24,999.990.12%0.12%
$25,000 to $49,999.990.17%0.17%
$50,000 plus0.30%0.30%

Savings Rates

ProductInterest RateAPY*
Statement Savings0.10%0.10%
Christmas Club0.15%0.15%
Piggy Bank Savings0.10%0.10%
Key Health Savings0.10%0.10%

Investors Choice Savings

AmountInterest RateAPY*
0 to $4,999.990.00%0.00%
$5,000 to $24,999.990.10%0.10%
$25,000 to $74,999.990.15%0.15%
$75,000 to $124,999.990.17%0.17%
$125,000 to $199,999.990.22%0.22%
$200,000 plus0.22%0.22%

*Annual Percentage Yield

*Rates may change after the account is opened and fees may reduce earnings.

*Note: The interest rate on all time deposits will be 25 basis points less than the current rate to customers who do not meet a combined DDA/Loan Relationship at FNBC.