Rates

Fees could reduce the earnings on the account. Interest Rates and Annual Percentage Yield are current as of May 5, 2008.

Rates are subject to change at any time.

For current rate information call (606)356-7703 or (800) 559-0011.

This Ratesheet contains information about interest rates and annual percentage yields for some of the accounts we offer.

Account Product Name Minimum Opening Deposit Minimum Balance to Obtain Annual Percentage Yield Interest Rate Annual Percentage Yield
NOW Account $500.00 $500.00 .30% .30%
Statement Savings $50.00 $50.00 .50% .50%
Holly-Days Savings $10.00 $10.00 1.00% 1.00%
Pacesetter Money Market $2,500.00 up to $2,499.99 .40% .40%
    $2,500.00 and up 1.65% 1.66%
Premier Money Market $2,500.00 up to $2,499.99 .40% .40%
    $2,500.00 - 9,999.99 1.50% 1.51%
    $10,000.00 - 24,999.99 1.55% 1.56%
    $25,000.00 - 49,999.99 1.60% 1.61%
    $50,000.00 and up 1.65% 1.66%
91 Days up to 182 Days $2,500.00 $2,500.00 1.46% 1.47%
182 Days up to 365 Days $2,500.00 $2,500.00 1.71% 1.72%
12 Months up to 24 Months $500.00 $500.00 2.33% 2.35%
24 Months up to 36 Months $500.00 $500.00 2.53% 2.55%
36 Months or more Certificate of $500.00 $500.00 2.77% 2.80%
IRA-6 Months Certificate of $500.00 $500.00 1.71% 1.72%
IRA-12 Months Certificate of $500.00 $500.00 2.33% 2.35%
IRA-24 Months Certificate of $500.00 $500.00 2.53% 2.55%
IRA-36 Months Certificate of $500.00 $500.00 2.77% 2.80%
IRA-18 Month Variable Rate $100.00 $100.00 2.38% 2.40%


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