RATES - CERTIFICATE OF DEPOSIT

Interest Rates and Annual Percentage Yields are current as of 05/07/2008 and are subject to change. For current rate information call (989) 865-9945. This chart is intended for informational purposes only. It does not take the place of the formal Truth-in-Savings Disclosures. Please contact us to request complete account information.

CDs
Interest Penalty may be imposed for early withdrawal

Deposit Level
$1,000 - $9,999
$10,000 - $49,999

Over
$50,000

Minimum
Opening
Balance
CD Term
Rate
APY
Rate
APY
Rate
APY
 * Special *  9 Months

3.06%

3.10%

3.06%

3.10%

3.06%

3.10%

 $1,000

3 Months

1.74%

1.75%

1.94%

1.95%

2.03%

2.05%

 $1,000

6 Months

1.84% 
1.85%  
2.03%
2.05%
2.13%  
2.15%  
$1,000

12 Months

1.89%
 1.90% 
2.08% 
2.10% 
2.18%
2.20%
$1,000

14 Months

2.08%

2.10%

2.08%

2.10%

2.08%

2.10%

 $1,000

15 Months

2.08%

2.10%

2.08%

2.10%

2.08%

2.10%

 $1,000

24 Months

2.03%
2.05% 
2.23% 
2.25% 
2.33%

2.35%

$1,000

30 Months

2.28%

2.30%

2.28%

2.30%

2.28%

2.30%

   $1,000

36 Months

2.18%
 2.20% 
2.38%
2.40%
2.48% 
2.50% 
$1,000

48 Months

2.53%
2.55% 
2.72% 
 2.75% 
2.82% 
2.85% 
$1,000

Advantage CD

2.18%

2.20%

2.18%

2.20%

2.18%

2.20%

 $500

 

  

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