Savings

Effective 05/01/08
The Annual Percentage Yield is Accurate as of 5/01/08
Rates subject to change without notice.

"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.

Regular Savings
Minimum Balance Required To Open An Account is $100.00
If service charges apply, earnings may be reduced.

	Interest Rate	APY
0 to $24,999.00	1.000	1.000
$25,000 to $49,999	1.25	1.26
$50,000 or more	2.35	2.37

3 Withdrawals per Quarter	No Charge
More than 3 withdrawals in a quarter	$7.50 per withdrawal
If average balance falls below $100 during the quarter	$2.00
If more than six pre-authorized withdrawals, automatic transfers, or telephone transfers are made in one statement period or more than three of these six withdrawals are payments to third parties.

	Interest Rate	APY
Christmas Club	1.250	1.250
No withdrawals are permitted from Christmas Club Accounts prior to the pay out date in November. The entire balance will be withdrawn and no interest will be paid on the account.


© 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)