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CERTIFICATE OF DEPOSIT and IRA RATES
Effective 04/07/2008
Rates subject to change without notice

Annual Percentage Yield is Accurate as of 04/07/2008

A Penalty May Be Applied On Funds Withdrawn Prior to the Maturity Date.  If an early withdrawal penalty is applied, your earnings will be reduced.

"Interest Rate" means the annual percentage rate of interest paid which does not reflect compounding.

"APY" (Annual Percentage Yield) means a percentage rate reflecting the total amount of interest paid on an account based on the interest rate and the frequency of compounding for a 365 day period.


CD / IRA Rates
Effective 04/07/2008
  Regular Senior (60+)
TERM

Interest Rate

APY Interest Rate APY
Less 91 day 2.00 2.00
91 day 2.15 2.17 2.15 2.17
182 day 2.50 2.52 2.50 2.52
12 mo. 2.75 2.75 2.75 2.75
24 mo. 3.00 3.00 3.00 3.00
36 mo. 3.25 3.25 3.25 3.25

IRA & SEP
TERM Interest Rate APY
6 mo. 2.40 2.42
18 mo. 2.95 2.98

36 mo.

3.00 3.03
$100,000+ IRA

 

2.75

 

            2.78 (6 mo.)

 

 

 

                                   (Yield Depends on Term)

Jumbo $100,000+

TERM Interest Rate APY
6 mo. 2.75            2.77 (6mo)
12 mo. 3.00               3.00 (12 mo)

Specials
                              
TERM Interest Rate APY              
16 mo. 2.75 2.76             
19 mo. 2.95 2.96              
28 mo. 3.00 3.00              

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© Copyright 2008 First Citizens Bank of Luverne, All Rights Reserved
66 N Woodford Avenue ¤ Luverne, AL ¤ 36049
(334) 335-3346 ¤ (334) 335-5506 (24-Hour Telephone Customer Service Number)