FNB Financial
Personal Product Rate Sheet

Special Certificates of Deposits
as of 6/18/2008*
Product Interest
Rate		 APY
37 to 47 Months 3.815% 3.87%
Terms (Minimum to open is $500, rolls to a 36 month CD at maturity)
* pick your term, with one-time rate bump
to the 36-month regular rate in effect at time of request.

 

Certificates of Deposits
as of 6/18/2008*
Product Interest
Rate		 APY
3 Month 1.40% 1.41%
6 Month 1.50% 1.51%
12 Month 1.50% 1.51%
18 Month 1.50% 1.51%
24 Month 1.75% 1.76%
30 Month 1.75% 1.76%
36 Month 2.50% 2.52%
48 Month 2.75% 2.78%
60 Month 2.75% 2.78%

 

Jumbo Certificate of Deposits
as of 6/18/2008*
Product Interest
Rate		 APY
3 Month 1.55% 1.56%
6 Month 1.65% 1.66%
12 Month 1.65% 1.66%
18 Month 1.65% 1.66%

 

FNB Christmas Club
as of 6/18/2008*
Interest
Rate		 APY Min balance
to earn APY
0.25% 0.25% $0.01
 

FNB Free Checking
as of 6/18/2008*
Interest
Rate		 APY Min balance
to earn APY
0.00% 0.00% N/A

 

FNB Horizons
as of 6/18/2008*
Interest
Rate		 APY Min balance
to earn APY
0.20% 0.20% 0 - 4,999
0.30% 0.30% 5,000 - 24,999
0.40% 0.40% 25,000 - 49,999
0.50% 0.50% 50,000 - 99,999
0.60% 0.60% 100,000 +

 

FNB Money Market
as of 6/18/2008*
Interest
Rate		 APY Min balance
to earn APY
0.35% 0.35% 0 - 4,999
0.75% 0.75% 5,000 - 24,999
1.00% 1.00% 25,000 - 49,999
1.25% 1.26% 50,000 - 99,999
2.00% 2.02% 100,000 +

 

FNB Health Savings
as of 6/18/2008*
Interest
Rate		 APY Min balance
to earn APY
0.25% 0.25% 0 - 499
0.50% 0.50% 500 - 4,999
0.50% 0.50% 5,000 - 14,999
0.50% 0.50% 15,000 +

 

FNB Savings
as of 6/18/2008*
Interest
Rate		 APY Min balance
to earn APY
0.25% 0.25% $0.01

 

* The interest rates and Annual Percentage Yields shown on this sheet are subject to change without notice. Certificates of deposit Annual Percentage Rate assumes principal and interest remain on deposit until maturity. A penalty may be imposed on early withdrawals.
FNB Financial
  
FDIC
FNB Financial - 88 North Main Street, Three Rivers, MI 49093 Telephone: (269) 273-1715