Citizens Bank & Trust: Current CD Rates

Current CD Rates

Effective Date: January 5, 2009

CD Rates

Term	Required Deposit Amount	Rate	APY*
30 Day	$10,000	2.25	2.27
91 Day	$2,500	2.50	2.52
182 Day	$2,500	2.65	2.67
1 Year	$500	2.75	2.75
18 Month	$500	3.00	3.01
2 Year	$500	3.25	3.25
30 Month	$500	3.35	3.36
3 Year	$500	3.50	3.50
4 Year	$500	3.75	3.75
5 Year	$500	3.75	3.75

IRA Rates

Term	Required Deposit Amount	Rate	APY*
18 Month Fixed	$500.00	2.75	2.78
18 Month Variable	None	2.75	2.78

*APY (Annual Percentage Yield) The annual percentage yields shown are offered on accounts accepted by the Bank and the effective date shown above, unless otherwise noted. Rates are subject to change without notice.

Penalty may be imposed for early withdrawal.

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