This information was last updated: 11/17/08 Deposits -Checking -Savings -Certificates of Deposit (CDs) -Individual Retirement Accounts Investments -U.S. Treasury Bills -U.S. Treasury Notes Loans -SNB Base Rate -Automobile -Home Equity -Mortgage Loan Disclosures Deposits   (FDIC Insured) (A.P.Y. = Annual Percentage Yield) Checking/Savings (Rates may vary-fees could reduce earnings)   Term Note Rate A.P.Y.   Checking with Interest 0.05 0.05   Premiere Checking 0.25 0.25   Regular Savings 0.10 0.10   S.O.S. (under $500) 0.15 0.15   S.O.S. (over $500) 0.30 0.30   MMGA Savings ($40,000 - $99,999) 1.00 1.00   MMGA Savings ($2,500 - $39,999) 0.75 0.75   MMGA Savings ($2,499 & below) 0.50 0.50   MMGA Commercial ($10,000 min) Changes Daily Changes Daily   Health Savings Account (under $2,500) 1.49 1.50   Health Savings Account ($2,500 - $9,999) 1.98 2.00   Health Savings Account ($10,000 & up) 2.47 2.50 Certificates of Deposit (Penalty for early withdrawal) (Minimum Balance $1,000) *CD Plus Rate available to new or existing checking customers   CD CD PLUS   Term Rate A.P.Y. Rate A.P.Y.   91 Day 0.60 0.60 1.00 1.00   182 Day 1.19 1.19 1.59 1.60   8 Month 1.35 1.35 1.75 1.75   10 Month 1.60 1.60 2.00 2.00   1 year 1.59 1.60 1.99 2.00   14 Month 2.58 2.60 2.98 3.00   18 Month 1.59 1.60 1.99 2.00   24 Month 2.58 2.60 2.98 3.00   30 Month 2.48 2.50 2.98 3.00   4 Year 2.48 2.50 2.98 3.00   5 Year 3.46 3.49 3.96 4.00 Individual Retirement Accounts   Term Note Rate A.P.Y.   Variable Rate (Rates may change after account is opened) 2.98 3.00   Fixed Rate (Effective through calendar quarter) Investments   U.S. Treasury Bills   Term Rate   30 Day 0.05   60 Day 0.12   90 Day 0.17   180 Day 0.89 U.S. Treasury Notes   Term Rate   2 Year 1.21   5 Year 2.32   10 Year 3.70 Loans     A.P.R.   Automobile, RVs & Boats: Fixed/Direct Debit 6.99   Home Equity Line (Variable Rate) 5.24   Contact a Personal Banker for specific terms and conditions Eligibility for preferred rates is determined by many factors including credit rating, how often you have sought credit, how much and what other types of credit you have available, and how it has been used. We will also consider income level and banking relationships. No single factor will dictate the rate, but rather all the factors together will determine whether you will qualify for the preferred rate. Mortgage Loan   Note A.P.R.   Home Improvement and Second Mortgage 6.99   For rate information on FHA/VA and Conventional Fixed Rate financing, please call the Mortgage Loan Center - 277-6785     Contact Information   Annuities/Mutual Funds Consumer Investments   Jim Forey - 277-6798   Elaine Sanders - 277-6652   Tim Van Peursem - 605-232-6075   Lance Heimsoth - 277-6742 Personal Banking   Jeremy Craighead - 277-6553   Vicki Thomas - 277-6505   Laura Pratt - 277-6651   Janelle Noreen - 605-232-6063 Real Estate   Julie Schmidt - 277-6671   Tracy Lambertsen - 277-6575