Deposit Rates

Rates effective as of Novmber 10th, 2008

Product Name
Minimum to
Open Account
Minimum Amount
to Earn Interest
Interest
Rate
Annual Percentage
Yield (APY)
DAILY ACCESS ACCOUNTS:
Statement Savings $5.00 Any amount .10% .10%
Christmas Club $5.00 Any amount .10% .10%
Earn E Eagle Savings 

 Any amount

 Any Amount  .10%  .10%
Free Checking $50.00 Non interest bearing account Non interest
bearing account
Free PLUS Checking (must have two other qualifying FFB products) $50.00 Non interest bearing account Non interest
bearing account
Premium Checking (Direct deposit required) $50.00 $ 2,500.00 - 9,999.99
$ 10,000.00 - 24,999.99
$ 25,000.00 and above 		.10%
.20%
.30%

.10%
.20%
.30%

Merit Checking (age 50+) $50.00 $ 1,000 and above .10% .10%
Free Non Profit Checking $100.00 Non interest bearing account Non interest
bearing account
MONEY MARKET ACCESS  ACCOUNT $500.00 $ 2,500.00 and above .15% .15%
CLASSIC MONEY MARKET  ACCESS ACCOUNT $500.00 $ 2,500.00 - 9,999.99
$ 10,000.00 - 24,999.99
$ 25,000.00 - 49,999.99
$ 50,000.00 - 99,999.99
$ 100,000 and above		 .30%
.50%
2.71%
2.71%
2.71% 		.30%
.50%
2.75%
2.75%
2.75%
PREMIUM MONEY MARKET ACCESS ACCOUNT (with FFB checking account and one other qualifying FFB product) $500.00 $ 2,500.00 - 9,999.99
$ 10,000.00 - 24,999.99
$ 25,000.00 - 49,999.99
$ 50,000.00 - 249,999.99
$ 250,000.00 and above 		.20%
.30%
.75%
1.00%
1.24% 		.20%
.30%
.75%
1.00%
1.25%
Non Profit Money Market Deposit Account (must have FFB non profit checking account) $1,000.00 $ 0.00 - 49,999.99
$ 50,000.00 - 999,999.99 $1,000,000.00 and above 		.25%
.75%
1.24% 		.25%
.75%
1.25%
Health Savings Account $50.00 $ 0.00 - 999.99
$ 1,000.00 - 4,999.99
$ 5,000.00 - 9,999.99
$ 10,000.00 and above 		.10%
.10%
.75%
1.00% 		.10%
.10%
.75%
1.00%
FIXED TERM, FIXED RATE (CERTIFICATE OF DEPOSIT) ACCOUNTS:
   
Minimum Amount
to Earn Interest
Interest
Rate
Annual Percentage
Yield (APY)
3 Month   $ 500.00
$ 10,000.00
$ 50,000.00
$ 100,000.00 		.25%
.40%
.75%
1.00% 		.25%
.40%
.75%
1.00%
6 Month   $ 500.00
$ 10,000.00 		.25%
.40% 		.25%
.40%
7 month   $500.00 3.23% 3.25%
7 month, with DDA and 1 additional product/service   $500.00 3.48% 3.50%
 9 Month Special   $500.00  2.18%  2.20% 
12 Month  

$ 500.00
$ 10,000.00

.25%
1.00% 		.25%
1.00%
18 Month   $ 500.00
$ 5,000.00 		.45%
2.77% 		.45%
2.80%
24 Month   $ 500.00
$ 10,000.00 		.55%
.99% 		.55%
1.00%
25 Month Special    $ 5000.00 2.97%
 3.00%
36 Month Add-on (Make additional deposits of $25.00 or more at any time)  

$ 100.00
$ 10,000.00
$50.,000.00

 1.00%
1.00%
1.00%		 1.00%
1.00%
1.00%
35 Month Special   $ 10,000.00
 3.31%
3.35%
48 Month   $ 500.00
$ 10,000.00
$ 50,000.00 		1.25%
1.59%
1.69% 		1.26%
1.60%
1.70%
60 Month   $ 500.00
$ 10,000.00
$ 50,000.00 		1.25%
1.59%
1.69% 		1.26%
1.60%
1.70%
FIXED TERM, FIXED RATE (CERTIFICATE OF DEPOSIT) ACCOUNTS:
18 Month Fixed Rate IRA  

$ 500.00
$ 10,000.00
$ 50,000.00
$100,000.00

 2.67%
2.77%
2.77%
2.87%
 2.70%
2.80%
2.80%
2.90%

Interest rates and annual percentage yields (APY) are accurate as of the date shown above. You may call the office nearest you to obtain the most recent APY.
APY assumes interest remains on deposit for one full year. There is a substantial penalty for early withdrawal from fixed term accounts.

Fees can reduce the earnings on the account.

Member FDIC, Equal Housing Lender