Farmers Bank

Current Deposit Rates

Rates Subject to change without notice

	Interest Rate	APY*	Minimum Opening Deposit

NOW Accounts **
NOW Account (Minimum daily balance to obtain APY $1,500)	0.050%	0.05%	$1,500
Super NOW Account (Minimum daily balance to obtain APY $2,500)	0.050%	0.05%	$2,500

Savings Accounts **
Regular Statement Savings (Minimum daily balance to obtain APY $250)	0.150%	0.15%	$50

Money Market Accounts **
Money Market Investment Account (Minimum daily balance to obtain APY $2,500)	0.100%	0.10%	$2,500
Premium Money Market Account
Daily Balance <$10,000.00	0.100%	0.10%	$2,500
Daily Balance >= $10,000.00 (Minimum daily balance to obtain APY $10,000)	0.150%	0.15%

Certificates of Deposit ^
7 - 31 Days	0.250%	0.25%	$1,000
32 - 89 Days	0.250%	0.25%	$1,000
90 - 179 Days	0.300%	0.30%	$1,000
180 - 364 Days	0.300%	0.30%	$1,000
12 - 23 Months	0.400%	0.40%	$500
24 - 35 Months	0.65%	0.65%	$500
36 - 47 Months	1.243%	1.25%	$500
48 - 59 Months	1.243%	1.25%	$500
60 - 84 Months	1.243%	1.25%	$500

Individual Retirement Accounts ^
180 - 364 Days	0.300%	0.30%	$100
12 - 23 Months	0.400%	0.40%	$100
24 - 35 Months	0.65%	0.65%	$100
36 - 47 Months	1.243%	1.25%	$100
48 - 59 Months	1.243%	1.25%	$100
60 - 84 Months	1.243%	1.25%	$100

* APY = Annual Percentage Yield: Rates are accurate as of April 1, 2013. APY calculation based on a Daily Compounding frequency for all deposit accounts. ** Variable Rates: Rates may change after account opening. Fees could reduce earnings on account. ^ Substantial penalty for early withdrawal.