Rates – Citizens State Bank of Finley

Certificate of Deposit Specials
Term	Minimum Opening Deposit	Interest Rate	APY*
Certificate of Deposit Specials
15 Month	$5,000.00	2.75%	2.76%

Certificate of Deposit Specials
Term	15 Month
Minimum Opening Deposit	$5,000.00
Interest Rate	2.75%
APY*	2.76%

* Annual Percentage Yield (APY) of 2.76% for the 15-month CD is effective April 17, 2019. The minimum deposit balance required to receive the 15-month CD term is $5,000.00. The 15-month CD term renews at maturity into a 12-month term with current available rate. A penalty may be imposed for early withdrawal. No brokered deposits. Offer subject to change at any time.

Certificate of Deposit
Term	Minimum Opening Deposit	Interest Rate	APY
Certificate of Deposit
91 Day	$1,000.00	0.75%	0.75%
6 Month	$500.00	1.25%	1.25%
1 Year	$500.00	1.50%	1.50%
2 Year	$500.00	1.75%	1.75%
3 Year	$500.00	2.00%	2.00%
5 Year	$500.00	2.50%	2.50%

Certificate of Deposit
Term	91 Day
Minimum Opening Deposit	$1,000.00
Interest Rate	0.75%
APY	0.75%
Term	6 Month
Minimum Opening Deposit	$500.00
Interest Rate	1.25%
APY	1.25%
Term	1 Year
Minimum Opening Deposit	$500.00
Interest Rate	1.50%
APY	1.50%
Term	2 Year
Minimum Opening Deposit	$500.00
Interest Rate	1.75%
APY	1.75%
Term	3 Year
Minimum Opening Deposit	$500.00
Interest Rate	2.00%
APY	2.00%
Term	5 Year
Minimum Opening Deposit	$500.00
Interest Rate	2.50%
APY	2.50%

A penalty may be imposed for early withdrawal.

Saving Accounts
Description	Minimum Opening Deposit	Interest Rate	APY
Saving Accounts
Regular Savings	$50.00	0.10%	0.10%

Saving Accounts
Description	Regular Savings
Minimum Opening Deposit	$50.00
Interest Rate	0.10%
APY	0.10%

The interest rate and annual percentage yield may change after account opening.

NOW Account
Description	Minimum Opening Deposit	Interest Rate	APY
NOW Account
Interest Bearing Checking	$1,000.00	0.10%	0.10%

NOW Account
Description	Interest Bearing Checking
Minimum Opening Deposit	$1,000.00
Interest Rate	0.10%
APY	0.10%

The interest rate and annual percentage yield may change after account opening.
Maintain a $1000 daily balance to avoid a $6.00 monthly service charge.

Money Market Deposit Account
Daily Balance	Minimum Opening Deposit	Interest Rate	APY
Money Market Deposit Account
Up to $2,499.99	$2,500.00	0.10%	0.10%
$2,500.00-$9,999.99	$2,500.00	0.15%	0.15%
$10,000.00 and up	$2,500.00	0.20%	0.20%

Money Market Deposit Account
Daily Balance	Up to $2,499.99
Minimum Opening Deposit	$2,500.00
Interest Rate	0.10%
APY	0.10%
Daily Balance	$2,500.00-$9,999.99
Minimum Opening Deposit	$2,500.00
Interest Rate	0.15%
APY	0.15%
Daily Balance	$10,000.00 and up
Minimum Opening Deposit	$2,500.00
Interest Rate	0.20%
APY	0.20%

The interest rate and annual percentage yield may change after account opening.

Individual Retirement Accounts
Daily Balance	Minimum Opening Deposit	Interest Rate	APY
Individual Retirement Accounts
Up to $49,999.99	$100.00	1.75%	1.76%
$50,000-$99,999.99	$100.00	2.00%	2.02%
$100,000.00 and up	$100.00	2.25%	2.27%

Individual Retirement Accounts
Daily Balance	Up to $49,999.99
Minimum Opening Deposit	$100.00
Interest Rate	1.75%
APY	1.76%
Daily Balance	$50,000-$99,999.99
Minimum Opening Deposit	$100.00
Interest Rate	2.00%
APY	2.02%
Daily Balance	$100,000.00 and up
Minimum Opening Deposit	$100.00
Interest Rate	2.25%
APY	2.27%

Fees could reduce the earnings on the account.
Interest Rates and Annual Percentage Yields are current as of 01-21-2019.
For current rate information call (701) 524-1921.