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Transaction Account Rates
Effective as of April 23, 2014
Type and Tier
Minimum to Open
Rate*
APY**
55 on the GO
$100
0.05%
0.05%
Advantage Checking
$100
0.05%
0.05%
* Rate = Interest Rate
** APY = Annual Percentage Yield; Advantage accounts are compounded monthly.

Fees may reduce earnings. Rates and fees are subject to change at the bank's discretion and may change after the account has been opened.


Savings Account Rates
Effective as of April 23, 2014
Type and Tier
Minimum to Open
Rate*
APY**
Passbook Savings
$100.00
0.15%
0.15%
Christmas Club
$5.00
0.50%
0.50%
Vacation Club
$5.00
0.15%
0.15%
Freedom Savings
$100.00
0.20%
0.20%
Money Market
--- Tier 1: $0 - $19,999.00
$2500
0.10%
0.10%
--- Tier 2:$20,000 & over
$2500
0.15%
0.15%
* Rate = Interest Rate
** APY = Annual Percentage Yield; Assumes quarterly compounding and the interest remains on deposit.

Fees may reduce earnings. Rates are subject to change at the bank's discretion and may change after the account has been opened.


Certificates of Deposit Rates
Effective as of April 23, 2014
Term
Minimum to Open
Rate*
APY**
3 Month¹
$1,000.00
0.15%
0.15%
6 Month¹
$1,000.00
0.20%
0.20%
9 Month'
$1,000.00
0.25%
0.25%
12 Month
$1,000.00
0.35%
0.35%
15 Month¹
$1,000.00
0.40%
0.40%
18 Month¹
$1,000.00
0.40%
0.40%
24 Month¹
$1,000.00
0.55%
0.55%
30 Month¹
$1,000.00
0.65%
0.65%
36 Month
$1,000.00
0.75%
0.75%
48 Month
$1,000.00
1.00%
1.00%
60 Month
$1,000.00
1.25%
1.26%
* Rate = Interest Rate
** APY = Annual Percentage Yield; Assumes quarterly compounding and the interest remains on deposit.
¹ Hometown Club members receive a 0.05% bonus to the Interest Rate and APY listed above.

Penalty for early withdrawal. Rates are subject to change at the bank's discretion.


Individual Retirement Account Rates
Effective as of April 23, 2014
Type
Minimum to Open
Rate*
APY**
Traditional IRA fixed
$500.00
0.50%
0.50%
Traditional IRA variable
$500.00
0.65%
0.65%
Roth IRA fixed
$500.00
0.50%
0.50%
Roth IRA variable
$500.00
0.65%
0.65%
Educational IRA fixed
$500.00
0.50%
0.50%
Educational IRA variable
$500.00
0.65%
0.65%
* Rate = Interest Rate
** APY = Annual Percentage Yield

Penalty for early withdrawal. Rates are subject to change at the bank's discretion.

The First National Bank of Ogden is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

The First National Bank of Ogden  •  102 S. East Avenue  •  P. O. Box 47  •  Ogden, IL 61859  •  Ph: 217.582.2175  •  Fax: 217.582.2176
Royal Bank  •  102 N. Park  •  P. O. Box 10  •  Royal, IL 61871  •  Ph: 217.583.3101  •  Fax: 217.583.3102
   

Member FDIC

THE FIRST NATIONAL BANK OF OGDEN

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