Specials

9 Mo. CD ~ 3.68% APY*

17 Mo. CD/IRA ~ 3.78% APY** with a one time rate change option

Money Market ~ 3.28% APY*** rate guaranteed until 3/15/09

Certificate of Deposit (CD), IRA, and Money Market accounts can not be opened with money currently on deposit at First Bank Financial Centre. Offer applicable to personal and business accounts. Interest rates are subject to change without notice. Stated Annual Percentage Yields (APY) effective as of November 3, 2008. Fees may reduce earnings. *$5,000 minimum to open 9 month CD and receive stated APY. Early withdrawal may result in penalty. **$2,500 minimum to open 17 month CD or IRA and receive stated APY. Customer may exercise their right to change the rate one time during the original 17 month term, to the current 24 month CD/IRA interest rate. Early withdrawal may result in a penalty. IRA withdrawals are subject to ordinary income tax and may be subject to a federal 10% penalty if taken prior to age 59½. Qualified Roth IRA distributions are not subject to state and local taxation in most states. Consult your tax advisor for IRA eligibility rules. ***$10,000 minimum to open Money Market and receive stated APY. The effective APY is fixed at account opening until March 15, 2009. Money Market product is then subject to conversion after March 15, 2009, to the First Rate Money Market. An early closure fee will be assessed if the account is closed within the first 90 days. +On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2009. After December 31, 2009, the coverage may revert back to $100,000 for most account types. IRAs and certain other retirement accounts will continue to qualify for FDIC deposit insurance coverage of $250,000 per owner after December 31, 2009. MEMBER FDIC