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ACCOUNT DISCLOSURE

ACCOUNT DISCLOSURE  -  IRA's

 

Copyright © 2006-2008 Centennial Bank

Certificate and IRA Rates | Variable Rate Savings Account

Certificate Rates
Interest Compounded Monthly, Posted Monthly
If interest paid monthly - link to savings account
or by check, yield is the same as rate.
Rates Effective
July 16, 2008

$10,000 Minimum

Term
(Months)

Interest
Rate
Annual
Percentage
Yield
12 3.90% 3.97%
24 4.20% 4.28%
36 4.30% 4.39%
48 4.40% 4.49%
60 4.60% 4.70%

Certificates are subject to a substantial penalty for early
withdrawal, Call for the "Account Terms and Conditions Disclosure"
Rates subject to change without notice.

IRA Rates
Rates Effective
July 16, 2008

$1,000 Minimum

Term
(Months)

Interest
Rate
Annual
Percentage
Yield
12 3.90% 3.97%
24 4.20% 4.28%
36 4.30% 4.39%
48 4.40% 4.49%
60 4.60% 4.70%

Rates subject to change without notice.

Accounts insured up to $100,000 by FDIC
Total GAAP Net Worth at 03/31/08 - $85,067,000

Total Risk-based Capital at 03/31/08 -         12.23%
Tier 1 Leverage Capital Ratio at 03/31/08 -   11.18%