Interest Rates | Community Financial Services Bank | Benton - Murray - Paducah

Effective Date: May 15th, 2013

Deposit Accounts

Product	Minimum Required Opening Deposit	Minimum Balance to Obtain	Rate	Annual Percentage Yield
Value Savings	100.00	100.00	0.15	0.15
Christmas Club			0.15	0.15
INTEREST OPTION (NOW) (Existing Accounts Only)		1,000.00	0.10	0.10
		2,500.00	0.10	0.10

MONEY MARKET OPTION (Existing Accounts Only)		2,500.00	0.25	0.25
PRIME ADVANTAGE CHECKING (AGE 62+)	100.00	5,000.00	0.15	0.15

Advantage Savings	10,000.00	10,000.00	0.25	0.25
	25,000.00	25,000.00	0.35	0.35
	100,000.00	100,000.00	0.50	0.50
	250,000.00	250,000.00	0.60	0.60
Kasasa Cash $0.00 - $19,999.99	100.00	n/a	3.01	3.05
Kasasa Cash $20,000 and up	100.00	n/a	0.50	3.05% - 0.93%
Kasasa Cash Non-Qualifying	100.00	n/a	0.10	0.10
Kasasa Saver $0.00 - $29,999.99	100.00	n/a	1.00	1.00
Kasasa Saver $30,000 and up	100.00	n/a	0.50	1.00 – 0.62%
Kasasa Saver Kasasa Saver	100.00	n/a	0.10	0.10
Health Savings Account (HSA) $0 - $2,499.99		100.00	0.10	0.10
Health Savings Account (HSA) $2,500.00-$4,999.99		100.00	0.20	0.20
Health Savings Account (HSA) $5,000.00 and Up		100.00	0.30	0.30

CDs

Term	Minimum Balance to Open	Minimum Balance to Obtain Yield	Rate	Annual Percentage Yield
31 DAYS	1,000.00	1,000.00	0.10	0.10
91 DAYS	1,000.00	1,000.00	0.15	0.15
182 DAYS	1,000.00	1,000.00	0.25	0.25
12 MONTH	1,000.00	1,000.00	0.25	0.25
12 MONTH	100,000.00	100,000.00	0.35	0.35
17 MONTH	1,000.00	1,000.00	0.77	0.77
17 MONTH	100,000.00	100,000.00	0.77	0.77
18 MONTH	1,000.00	1,000.00	.30	.30
18 MONTH	100,000.00	100,000.00	.40	.40
24 MONTH	1,000.00	1,000.00	0.65	0.65
24 MONTH	100,000.00	100,000.00	0.75	0.75
30 MONTH	1,000.00	1,000.00	0.70	0.70
30 MONTH	100,000.00	100,000.00	0.80	0.80
36 MONTH	1,000.00	1,000.00	.75	.75
36 MONTH	100,000.00	100,000.00	.90	.90
37 MONTH	1,000.00	1,000.00	1.06	1.07
37 MONTH	100,000.00	100,000.00	1.06	1.07
48 MONTH	1,000.00	1,000.00	1.00	1.00
48 MONTH	100,000.00	100,000.00	1.20	1.21
57 MONTH	1,000.00	1,000.00	1.60	1.61
57 MONTH	100,000.00	100,000.00	1.60	1.61
60 MONTH	1,000.00	1,000.00	1.46	1.47
60 MONTH	100,000.00	100,000.00	1.51	1.52

IRAs

Product	Minimum Balance to Open	Minimum to Obtain Yield	Rate	Annual Percentage Yield
182 DAYS IRA	1,000.00	1,000.00	0.25	0.25
12 MONTH IRA	1,000.00	1,000.00	0.25	0.25
12 MONTH IRA	100,000.00	100,000.00	0.35	0.35
12 MO IRA (VAR) (as of 3-1-13)	25.00	500.00	0.18	0.18
I7 MONTH IRA	1,000.00	1,000.00	0.77	0.77
17 MONTH IRA	100,000.00	100,000.00	0.77	0.77
18 MONTH IRA	1,000.00	1,000.00	0.30	0.30
18 MONTH IRA	100,000.00	100,000.00	0.40	0.40
24 MONTH IRA	1,000.00	1,000.00	0.65	0.65
24 MONTH IRA	100,000.00	100,000.00	0.75	0.75
30 MONTH IRA	1,000.00	1,000.00	0.70	0.70
30 MONTH IRA	100,000.00	100,000.00	0.80	0.80
36 MONTH IRA	1,000.00	1,000.00	0.75	0.75
36 MONTH IRA	100,000.00	100,000.00	0.90	0.90
37 MONTH IRA	1,000.00	1,000.00	1.06	1.07
37 MONTH IRA	100,000.00	100,000.00	1.06	1.07
48 MONTH IRA	1,000.00	1,000.00	1.00	1.00
48 MONTH IRA	100,000.00	100,000.00	1.20	1.21
57 MONTH IRA	1,000.00	1,000.00	1.60	1.61
57 MONTH IRA	100,000.00	100,000.00	1.60	1.61
60 MONTH IRA	1,0000.00	1,000.00	1.46	1.47
60 MONTH IRA	100,000.00	100,000.00	1.51	1.52

Business Checking

Product	Minimum Required Opening Deposit	Minimum Balance to Obtain	Rate	Annual Percentage Yield
BUSINESS ADVANTAGE	25,000 - 249,999.99	25,000	0.15	0.15
	250,000 - 749,999.99	250,000	0.35	0.35
	750,000 - 1,499,999.99	750,000	0.50	0.50
	1,5000,000 - 2,999,999.99	1,5000,000	0.70	0.70
	3,000,000 and Up	3,000,000	0.90	0.90
COMMUNITY ADVANTAGE	1,000 - 2,499.99	1,000	0.10	0.10
	2,500 and Up	2,500	0.12	0.12
BUSINESS MONEY MARKET OPTION (Existing Accounts Only)		2,500.00	0.25	0.25
HEALTH SAVINGS ACCOUNTS	0-2,499.99		0.10	0.10
	2,500 - 4,999.99		0.20	0.20
	5,000.00 and Up		0.30	0.30

*FEES MAY REDUCE EARNINGS
*RATE SUBJECT TO CHANGES
*RATES ON PRODUCTS REQUIRING PLEDGED SECURITIES MAY DIFFER FROM STANDARD RATES
*BANKS AND CREDIT UNIONS ELIGIBLE FOR STANDARD PRODUCTS ONLY

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