Your Community Bank

As of: August 28, 2008

Interest Checking ($0 - $1,499)	0.10%
Interest Checking ($1,500 - $4,999)	0.20%
Interest Checking ($5,000 - $9,999)	0.35%
Interest Checking ($10,000 +)	0.83%

Maximum Money Market^ ($0 - $9,999)	1.03%
Maximum Money Market^ ($10,000+)	2.09%

New! 16 Month	4.08%
New! 11 Month	3.80%

Rates listed above are Annual Percentage Yield (APY).

Certificates of Deposit

Certificates of deposit are ideal for investors seeking growth and security. Your Community Bank CDs pay high market yields with terms to suit your needs - from 30 days to 5 years. Interest is paid and compounded quarterly. Automatic renewal is available. Early withdrawal penalties may apply. View Rates

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Individual Retirement Accounts (Individuals only)

Your Community Bank offers an array of accounts to help you meet your retirement needs. All of our IRA products offer flexible terms and attractive interest rates. IRA options include:

Traditional IRAs

With a traditional IRA, maximum annual contribution applies. In most cases, interest is tax-deferred. Please consult a tax advisor regarding specific tax-related questions.

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Education IRAs

Education IRAs allow you to save for qualified higher educational expenses for a beneficiary. Contributions are allowed prior to the beneficiary turning 18, and contributions may not exceed $2,000 per beneficiary per year. Consult your tax advisor to see if an Educational IRA is right for you.

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Roth IRAs

A Roth IRA can provide a taz free income for your retirement. The Roth IRA is a non-deductible account that features tax-free withdrawals for certain distribution reasons after a five year holding period. Consult your tax advisor to see if a Roth IRA is right for you.

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Heath Savings Account IRAs

The Health Savings Account IRAs were created by the Medicare bill signed by President Bush on December 8, 2003 and are designed to help individuals save for future qualified medical and retiree health expenses on a tax-free basis.

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Any adult can contribute to an HSA if they:

Have coverage under an HSA-qualified “high deductible health plan” (HDHP)
Have no other first-dollar medical coverage (other types of insurance like specific injury insurance or accident, disability, dental care, vision care, or long-term care insurance are permitted).
Are not enrolled in Medicare.
Cannot be claimed as a dependent on someone else’s tax return.

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