TIME DEPOSITS
| Term | Rate | CD-APY | IRA-APY |
| * | * | * | * |
| 90 days | 0.40% | 0.40% | 0.40% |
| 180 days | 0.50% | 0.50% | 0.50% |
| 1 year | 0.70% | 0.70% | 0.70% |
| 2 year | 0.90% | 0.90% | 0.90% |
| 3 year | 1.15% | 1.15% | 1.15% |
| 5 year | 1.74% | 1.75% | 1.75% |
CERTIFICATES OF DEPOSIT & INDIVIDUAL RETIREMENT ACCOUNTS
Minimum to open and obtain the APY for a CD is $1000.
Minimum to open and obtain the APY for an IRA is $500.
The APY assumes the principal and interest will remain on deposit for one year. A penalty for early withdrawal may be imposed.
The Annual Percentage Yield is effective as of 09/27/11
SAVINGS ACCOUNT
The minimum to open is $50, the minimum to obtain the APY is $1.
The interest rate and APY may change after the account is opened.
The effects of fees could reduce earnings.
The Annual Percentage Yield is effective as of 09/27/11
NOW ACCOUNT & CLASSIC
| Interest Rate | APY |
| 0.15% | 0.15% |
The minimum to open is $50, minimum to obtain the APY is $1.
The interest rate and APY may change after the account is opened.
The effects of fees could reduce earnings.
The Annual Percentage Yield is effective as of 09/27/11.
MONEY MARKET ACCOUNT
| Minimum to obtain APY | Rate | APY |
| $1,000 - $9,999 | 0.15% | 0.15% |
| $10,000 - $24,999 | 0.25% | 0.25% |
| $25,000 - $99,999 | 0.35% | 0.35% |
| over $100,000 | 0.65% | 0.65% |
The minimum to open is $50.
The interest rate and APY may change after the account is opened.
The effects of fees could reduce earnings.
The Annual Percentage Yield is effective as of 9/27/11.
INVESTMENT ACCOUNT
| Minimum to obtain APY | Rate | APY |
| $25,000 - $99,999 | 0.45% | 0.45% |
| $100,000 - $199,999 | 0.65% | 0.65% |
| $200,000 - $499,999 | 0.80% | 0.80% |
| over $500,000 | 1.00% | 1.00% |
The minimum to open is $25,000.
The interest rate and APY may change after the account is opened.
The Annual Percentage Yield is effective as of 09/27/11.
CENTRANET FREEDOM
| Minimum to obtain APY | Interest Rate | APY* |
| $1,000 - $9,999 | 0.15% | 0.15% |
| over - $10,000 | 0.45% | 0.45% |
The minimum to open is $10,000.
The interest rate and APY may change after the account is opened.
The annual percentage yield is effective as of 09/27/11.
Home Equity Rates
| Term | Annual Percentage Rate |
| 1-10 year | * |
Home Loan Rates
| Term | Annual Percentage Rate |
| 1 - 5 year | * |
Adjustable Rate Mortgage (ARM)
| Term | Annual Percentage Rate |
| 1 - 5 year | * |
*Certain qualifications and restrictions may apply. The rate for Adjustable Rate Mortgages may increase after consummation. Please contact a Central National Bank Lending Officer for further information.
Auto Rates
| Year | Term | Annual Percentage Rate |
| New 2012 | 48-60 Months | 5.50% |
| | 36 Months | 5.00% |
| Used 2011 | 48 Months | 6.50% |
| Used 2010 | 48 Months | 7.00% |
| Used 2009 | 42 Months | 7.50% |
| Used 2008 | 36 Months | 8.00% |
| Used 2007 & Older | 36 Months | 8.50% |
Member FDIC
- Same day approval.
- Flexible terms.
- No prepayment penalty.
- 10% minimum down payment required.
- Rate is fixed for the term of the loan.
- Personal service.
Certain qualifications and restrictions may apply. Please contact a Central National Bank Lending Officer for further information.
