Certificates of Deposit

Thumb National Bank & Trust Co. offers a variety of Certificates of Deposit with varying minimum deposits, terms, and interest rates. Certificates of Deposit are available to individuals and business firms at all Thumb National offices. You may select your own term - any time period from 7 days to 5 years. To open a Certificate of Deposit, please contact your Personal Product Specialists at any local Thumb National Bank & Trust Co. office.

Certificate of Deposit and Individual Retirement Account Rates

Rates are posted for your convenience. They are subject to change without notice. To verify rates, please contact the bank.

Please see your local office for rate specials.

Term	Interest Rate
1 Month CD*	.90% A.P.Y.
100 Day CD*	1.66% A.P.Y.
6 Month CD*	2.65% A.P.Y.
No Penalty 7 Month CD**	1.50% A.P.Y.
9 Month CD	2.02% A.P.Y.
1 Year CD	3.00% A.P.Y.
15 Month CD	3.11% A.P.Y.
18 Month CD	3.20% A.P.Y.
2 Year CD	3.25% A.P.Y.
30 Month CD	3.40% A.P.Y.
3 Year CD	3.51% A.P.Y.
4 Year CD	3.75% A.P.Y.
5 Year CD	4.00% A.P.Y.

$500 Minimum Balance Required *$1,000 Minimum Balance Required. **$5,000 Minimum Balance Required.

A penalty for early withdrawal may be imposed on all COD's.

Annual Percentage Yields effective November 18, 2008 and subject to change thereafter.

Personal Product Specialists

Contact a specialist by calling your local office or by sending an e-mail to: csr@thumbnational.com

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