Peoples State Bank

Savings & CD Rates

This Rate Chart contains information about interest rates and annual percentage yields for the accounts we offer. Certificates of Deposit are compounded at maturity, excluding 24, 36, 48, and 60-Month Certificates of Deposit, which compound Annually.
Certificate of Deposit	Min. Opening Deposit	Min. to Obtain APY	Interest Rate (%)	APY (%)
3 Month	1,000.00		2.30	2.32
	0		0	0
6 Month	1,000.00		2.30	2.31
12 Month
	1,000.00 - 9,999.99		2.35	2.35
	10,000.00 & Above		2.45	2.45
24 Month	1,000.00		2.85	2.85
36 Month	1,000.00		3.25	3.25
48 Month	1,000.00		3.65	3.65
12 Month IRA	1,000.00		2.55	2.55

The interest rate and annual percentage yield will not change for the term of your certificate. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). If you select your account to automatically renew, your account will automatically renew at maturity. You will have ten (10) calendar days after the maturity date to withdraw funds without penalty. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your accrual of interest ceases at the maturity date. You may decide to receive a check for the interest, deposit it to your checking account, deposit it to your savings account or compound the interest by adding it to the certificate automatically. The annual percentage yield assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. After the account is opened, you may not make deposits into or withdrawals from this account until the maturity date. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. No maintenance or activity fees are imposed on Certificate of Deposit Accounts. If any of the deposit is withdrawn before the maturity date, a penalty as shown below will be imposed.

3 Month Certificate of Deposit	- 30 Days Interest
	-
6 Month Certificate of Deposit	- 30 Days Interest
12 Month Certificate of Deposit	- 60 Days Interest
24 Month Certificate of Deposit	- 60Days Interest
36 Month Certificate of Deposit	- 90 Days Interest
48 Month Certificate of Deposit	- 180 Days Interest

Account Product Name

Min Opening Deposit

Min. to Obtain APY

Interest Rate (%)

APY (%)

Freedom's Choice Free Checking

'Peoples' Value Checking

**Subject to Conditions

Regular Checking

Business Checking

***Now Account

$1,000.00

1.15

1.16

***Super Now Account

$1,000.00

1.35

1.36

***Peoples Prestige

$1,000.00

1.25

1.26

***Money Market Account

$2,000.00

$1,000.00

**Daily Balance of:

Up to $1,000.00

0.00

$1,000.00 - $9,999.99

$1,000.00

1.25

1.26

$10,000.00 - $49,999.99

$10,000.00

1.50

1.51

$50,000.00 - $199,999.99

$50,000.00

2.00

2.02

$200,000.00 & Above

$200,000.00

2.30

2.32

***Savings Account

$25.00

1.55

1.56

***Little

$5.00

1.55

1.56

*A penalty may be imposed for early withdrawal.
**Limit of 20 debits per statement cycle. A check charge of $0.50 will be charged for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account) in excess of twenty (20) during a month.
***The interest rate and annual percentage yield may change after account opening.

Fees could reduce the earnings on the account. Interest Rates and Annual Percentage Yields are current as of March 26, 2008.
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