Mound City Bank Online -- Personal Certificates of Deposit/CDARS/IRA's

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CDARS

CERTIFICATES OF DEPOSIT/CDARS/IRA's

Mound City Bank offers the following FDIC Insured Certificates of Deposit (CD's) and Individual Retirement Account (IRA) options to meet your investment needs. RATES ACCURATE AS OF JULY 21, 2008
CD OPTIONS	MIN. DEPOSIT TO OPEN & OBTAIN APY	INTEREST RATE	ANNUAL PERCENTAGE YIELD (APY)
6 MONTH C.D.	$500	2.66%	2.66%
7 MONTH C.D. SPECIAL***	$5000	3.06%	3.10%
1YEAR C.D.	$500	2.80%	2.80%
14 MONTH C.D. SPECIAL***	$5000	3.50%	3.55%
18 MONTH ADD-ON C.D.	$500	2.81%	2.81%
**Unlimited deposits. Minimum deposit $100.00. No deposits 7 days before maturity. Interest begins to accrue no later than the business day that we receive the deposit of non-cash items (for example, checks).
2 YEAR C.D.	$500	3.01%	3.01%
3 YEAR C.D.	$500	3.60%	3.60%
4 YEAR C.D.	$500	3.76%	3.76%
5 YEAR C.D. SPECIAL***	$500	4.52%	4.60%

IRA OPTIONS	MIN. DEPOSIT TO OPEN & OBTAIN APY	INTEREST RATE	ANNUAL PERCENTAGE YIELD (APY)
18 MONTH VARIABLE RATE	$25	3.35%*	3.38%*
(Minimum Guaranteed Interest Rate - 2.00%; APY 2.01%)
36 MONTH FIXED RATE	$25	3.32%	3.35%
48 MONTH VARIABLE RATE	$25	3.63%*	3.66%*
(Minimum Guaranteed Interest Rate - 3.00%; APY 3.02%)
60 MONTH FIXED RATE	$25	3.87%	3.91%
60 MONTH VARIABLE RATE	$25	3.87%*	3.91%*
(Minimum Guaranteed Interest Rate - 3.00%; APY 3.02%)

*The rate may change after the account is opened.

All C.D.'s & IRA's: The daily balance method calculates interest applying a daily rate to the principal in your account each day. The APY assumes interest on deposit until maturity. A penalty may be imposed on the amount withdrawn before maturity. A withdrawal will reduce earnings.

C.D.'s: Interest on C.D.'s is compounded and credited annually and at maturity.

No additional deposits allowed.

*** Interest on 7 month C.D., 14 month C.D and 5 year C.D are compounded and credited quarterly and at maturity.

IRA's: Interest on IRA's is compounded and credited semi-annually and at maturity. Unlimited deposits. No deposits 7 days before maturity. Interest begins to accrue no later than the business day that we receive the deposit of non-cash items (for example, checks).

CDARS

Up to $50 million in FDIC Insurance. One Bank. One Rate. One Statement.

Click here for more information on CDARS. Ask us about how CDARS can work for you the next time you visit one of our branches, or email mcb@moundcitybank.com for more information. Contact us for your CDARS rates.

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