Deposit Rates

Rates Effective AS OF

Certificates of Deposit

	APY	APY	APY
Term	$500 minimum deposit	$5,000 minimum deposit	$25,000 minimum deposit

6-month CD^*	N/A	0.40%	0.40%
12-month CD	0.70%	0.70%	0.70%
24-month CD	1.05%	1.05%	1.05%
36-month CD	1.49%	1.50%	1.50%
48-month CD	1.74%	1.75%	1.75%
60-month CD	2.24%	2.25%	2.26%

^*$2,500 minimum balance for 6-month CD
(A penalty will or may be imposed for early withdrawal)

Community Bank offers "Special" TCD Terms

Inquire at Our Offices. Community Bank does not accept brokered deposits.

APY = Annual Percentage Yield

Individual Retirement Accounts

$200 minimum balance
1.25% APY
24-month maturity; rate may vary every 6 months.
A penalty will or may be imposed for early withdrawal if under age 59 1/2.

Passbook Savings

Minimum Balance to Open - $50.00 unless the primary account owner is under the age of 18; then no minimum opening balance requirement.
0.10% APY
Rate may change after account is opened.
Fees could reduce the earnings on the account.

Checking With Interest

If your average daily collected balance in your account is $250,000.00 or more, the interest rate paid on the entire average daily collected balance in your account will be 0.50% with an annual percentage yield of 0.50%.
If your average daily collected balance in your account is $100,000.00 or more but less than $250,000.00, the interest rate paid on the entire average daily collected balance in your account will be 0.30% with an annual percentage yield of 0.30%.
If your average daily collected balance in your account is $50,000.00 or more but less than $100,000.00, the interest rate paid on the entire average daily collected balance in your account will be 0.20% with an annual percentage yield of 0.20%.
If your average daily collected balance in your account is $25,000.00 or more but less than $50,000.00, the interest rate paid on the entire average daily collected balance in your account will be 0.10% with an annual percentage yield of 0.10%.
If your average daily collected balance in your account is equal to or greater then $2,500.01 but less than $25,000.00, the interest paid on the entire average daily collected balance in your account will be 0.10% with an annual percentage yield of 0.10%.
If your average daily collected balance in your account is below $2,500.01, the interest rate paid on the entire average daily collected balance in your account will be 0.05% with an annual percentage yield of 0.05%. The interest rate may change after the account is opened and fees could reduce the earnings.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE
COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.