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Rates

First Banking Center offers you competitive interest rates on Checking, Savings, Money Market, and Certificate of Deposit Accounts. These rates may only be available online and for a limited time.

Personal & Business Certificates of Deposit*
Product	Interest Compounded	Minimum Initial Deposit	Minimum Balance	Interest Rate	Annual Percentage Yield
3 Month	Quarterly	$1000	$1000	0.40%	0.40%
6 Month	Quarterly	$1000	$1000	0.65%	0.65%
7 Month Special	Quarterly	$5000	$5000	0.80%	0.80%
11 Month Special	Quarterly	$5000	$5000	1.00%	1.00%
12 Month	Quarterly	$500	$500	0.90%	0.90%
18 Month	Quarterly	$500	$500	1.05%	1.05%
24 Month	Quarterly	$500	$500	1.30%	1.31%
24 Month Educ	Quarterly	$250	$250	1.30%	1.31%
25 Month Special	Quarterly	$5000	$5000	1.50%	1.51%
30 Month	Quarterly	$500	$500	1.50%	1.51%
48 Month	Quarterly	$2500	$2500	2.00%	2.02%
72 Month	Quarterly	$2500	$2500	2.75%	2.78%

*Substantial penalty will be charged for early withdrawal.

Personal & Business CDARS Certificates of Deposit*
Product	Interest Compounded	Minimum Initial Deposit	Minimum Balance	Interest Rate	Annual Percentage Yield
4 Week	At Maturity	$25000	$25000	0.08%	0.08%
13 Week	At Maturity	$10000	$10000	0.17%	0.17%
26 Week	Quarterly	$10000	$10000	0.25%	0.25%
52 Week	Quarterly	$10000	$10000	0.40%	0.40%
104 Week (2 Yr)	Quarterly	$10000	$10000	1.25%	1.26%
156 Week (3 Yr)	Quarterly	$10000	$10000	1.85%	1.87%
260 Week (5 Yr)	Quarterly	$10000	$10000	2.75%	2.79%

*Substantial penalty will be charged for early withdrawal.

Personal Money Market Accounts**
Product	Interest Compounded	Minimum Initial Deposit	Minimum Balance	Interest Rate	Annual Percentage Yield
Insured Indexed Money Market	Monthly	$1	$0-999	0.15%	0.15%
			$1000-4,999	0.20%	0.20%
			$5000-9,999	0.25%	0.25%
			$10,000 and over	0.30%	0.30%
Premium Money Market	Monthly	$1	$0-24,999	0.15%	0.15%
			$25,000-49,999	0.40%	0.40%
			$50,000-99,999	0.65%	0.65%
			$100,000-249,999	0.90%	0.90%
			$250,000 and over	1.00%	1.00%

**If the account falls below balance requirements there will be a service charge and interest will drop to no less than the Regular Savings rate.

Personal Savings Accounts
Product	Interest Compounded	Minimum Initial Deposit	Minimum Balance	Interest Rate	Annual Percentage Yield
Statement Savings***	Monthly	$1	$200	0.15%	0.15%
Young Investor Passbook Savings	Quarterly	$1	$0	0.15%	0.15%

***If the account falls below balance requirements there may be a service charge and interest will not be credited to your account for the month.

Health Savings Accounts
Product	Interest Compounded	Minimum Initial Deposit	Minimum Balance	Interest Rate	Annual Percentage Yield
Health Savings Account	Monthly	$100	$0-2,499	0.15%	0.15%
			$2,500-7,499	0.35%	0.35%
			$7,500-24,999	0.50%	0.50%
			$25,000-49,999	0.75%	0.75%
			$50,000-99,999	0.75%	0.75%
			$100,000 and over	0.90%	0.90%

Personal Checking Accounts
Product	Interest Compounded	Minimum Initial Deposit	Minimum Balance	Interest Rate	Annual Percentage Yield
Rewards Checking****	Monthly	$1	Balances from $0 -25,000	0.86%	0.86%
			Balances from 25,001 and over	0.86%	0.86%
			All Balances if requirements are not met	0.10%	0.10%
Premier Checking and Senior Premier Checking*****	Monthly	Not Applicable	$0 - 9,999	0.15%	0.15%
			$10,000 - 24,999	0.35%	0.35%
			$25,000 - 49,999	0.50%	0.50%
			$50,000 and over	0.75%	0.75%

****See Schedule of Personal Services for interest rate requirements.

*****If the account falls below balance requirements there will be a service charge, see Schedule of Personal Services for membership fee information.

Rates effective September 2, 2010.

Interest rates are subject to change at anytime. Account fees may reduce earnings. Service charge information available upon request. For more information on our products or services, feel free to contact us.