Current Rates offered by FNBT

Deposit Accounts
Rates Effective as of April 2, 2012
ACCOUNT TYPE	Minimum to Open & Earn Stated APY	Interest Rate	APY
INTEREST CHECKING	$1000.00	0.05%	0.05%
SAVINGS	$100.00	0.20%	0.20%
APY=Annual Percentage Yield

Certificates of Deposit
TERM	Minimum to Open & Earn Stated APY	Interest Rate	APY
6 month	$500.00	Call for Rate	Call for Rate
12 month	$500.00	Call for Rate	Call for Rate
18 month	$500.00	Call for Rate	Call for Rate
24 month	$500.00	Call for Rate	Call for Rate
36 month	$500.00	Call for Rate	Call for Rate
48 month	$500.00	Call for Rate	Call for Rate
60 Month	$500.00	Call for Rate	Call for Rate
APY=Annual Percentage Yield

Money Market Deposit Account
TERM	Minimum to Open & Earn Stated APY	Interest Rate	APY
$2,500 - 19,999	$2500.00	0.15%	0.15%
$20,000 Plus	Contact branch	Contact Branch	Contact Branch
APY=Annual Percentage Yield For variable rate accounts, the rate may change after the account is opened. A minimum balance may be required to obtain the advertised APY on some accounts. Please visit your nearest branch for more information about our accounts. For accounts with maintenance fees, these fees may reduce total earnings. For Certificate of Deposit accounts, penalties may be imposed for early withdrawal. Additional products are available. Please stop by or call your nearest branch for information about other account options.

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