State Bank & Trust - Personal Mortgages

Interest Rates

Rates Current as of July 13, 2010

Personal Accounts

Rate

APY*

Standard Savings

.25%

Money Max Savings

.30%

N.O.W. Checking

.25%

I.M.M.A. (Insured Money Market Account

.25%

Christmas Club Savings
Vacation Club Savings

.75%
.75%

I.R.A. (Individual Retirement Account)

6 Month Fixed

1.65%

1.66%

12 Month Fixed

1.90%

1.92%

2 Years Fixed

2.15%

2.17%

3 Years Fixed

2.40%

2.43%

5 Years Fixed

3.00%

3.04%

18 Month Variable

1.95%

1.97%

3 Years Variable

2.20%

2.22%

5 Years Variable

2.80%

2.84%

Business Accounts

Rate

APY*

Standard Savings

.25%

Money Max Savings

.30%

Sweep Savings
N.O.W. Checking

1.00%
.25%

I.M.M.A. (Insured Money Market Account)

.25%

Early withdrawal penalties apply for I.R.A. accounts. Penalty for all terms of I.R.A. is three months of interest.

Speak to a customer service representative for more information about applicable fees and terms that may apply.
*APY (Annual Percentage Yield)

Rates Current as of July 13, 2010

CD Term

Rate

APY*

7 to 31 days

.50%

32 to 59 days

.50%

60 to 89 days

.50%

90 to 179 days

.75%

180 to 364 days

.75%

1 year

1.00%

18 Months

1.35%

1.36%

2 years

1.65%

1.66%

3 years

2.00%

2.02%

3 years Bump Rate
4 years

2.05%
2.10%

2.05%
2.12%

5 years

2.25%

2.27%

5 years Bump Rate

2.55%

All regular Certificates of Deposit require a minimum balance of $1,000.00. A minimum balance of $1,000.00 is required to earn the stated APY*

All Bump Rate Certificates of Deposit require a minimum balance of $5,000.00. A minimum balance of $5,000.00 is required to earn the stated APY*
Early withdrawal penalties apply.

Penalty varies according to term of CD: less than 6 months = all interest earned
6 months up to 18 months = one month’s interest
18 months and longer = three months of interest

Speak to a customer service representative for more information about applicable fees and terms that may apply.
*APY (Annual Percentage Yield)