Personal Services - Savings & Certificates of Deposit

Savings Accounts 
  party debits) $5 for each debit over 6

Christmas Club 
  this account, and we will make half of the 50th payment for you.


Certificates of Deposit




FARMERS AND DROVERS BANK
DEPOSIT RATES
5/3/2008

Annual Percentage Yield (APY) is effective as of date shown above



TYPE OF ACCOUNT



7 TO 89 DAY CD

3 MONTH CD

6 MONTH CD

9 MONTH CD

8 MONTH SPECIAL

12 MONTH JUMP RA

12 MONTH CD

23 MONTH CD

24 MONTH JUMP RATE

24 MONTH CD

30 MONTH CD

36 MONTH JUMP RA

36 MONTH CD

48 MONTH JUMP RA

48 MONTH CD

60 MONTH JUMP RA

60 MONTH CD





ANNUAL
PERCENTAGE
YIELD (APY)

1.10

1.90

         2.60

2.60

3.05

2.39

2.65

3.30

2.49

2.75

2.75

2.49

2.75

2.49

2.75

2.75

3.00





INTEREST
RATE


1.10

1.89

2.571

2.571

3.02

2.37

2.62

3.26

2.47

2.72

2.72

2.47

2.72

2.47

2.72

2.72

2.97





MINIMUM
BALANCE


2500.00

500.00

500.00

500.00

5000.00

500.00

500.00

500.00

500.00

500.00

500.00

500.00

500.00

500.00

500.00

500.00

500.00






INTEREST
COMPOUNDING
FREQUENCY

NONE

NONE

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY







INTEREST
AVAILABILITY


MATURITY

MATURITY

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY

QUARTERLY




SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL ON TIME DEPOSITS
PLEASE CONTACT ANY OF OUR STAFF FOR FURTHER INFORMATION

MEMBER FDIC