Current Rates

January 31, 2012 through February 6, 2012

Our rates are posted for your convenience in making financial decisions. Use our calculators to figure payments and savings goals. Realize rates are subject to change so when in doubt, please contact the bank.

Account Type	Minimum Deposit To Open Account	Minimum Balance to Obtain Annual Percentage Yield**	Interest Rate	Annual Percentage Yield
NOW*	none	$5,000.00	.25	.25
NOW*	none	LESS THAN $5,000.00	.10	.10
HIFI*	none	$5,000.00	.25	.25
HIFI*	none	LESS THAN $5,000.00	.10	.10
PASSBOOK SAVINGS*	none	$50.00	.40	.40
STATEMENT SAVINGS*	none	$50.00	.40	.40
HEALTH SAVINGS*	none	$500.00 to $1,999.99	.20	.20
HEALTH SAVINGS*	none	$2,000 to $9,999.99	.30	.30
HEALTH SAVINGS*	none	$10,000.00 to $14,999.99	.40	.40
HEALTH SAVINGS*	none	Greater Than $15,000.00	.50	.50
Fees on the accounts above could reduce earnings.
Penalty will be imposed on the accounts below for Early Withdrawal.
CHRISTMAS SAVINGS	$1.00	$1.00	.40	.40
7-31 DAYS CD (based on 31 days)	$2,500.00	$2,500.00	.25	.25
91 DAYS CD	$2,500.00	$2,500.00	.25	.25
182 DAYS CD	$2,500.00	$2,500.00	.40	.40
1 YEAR CD	$1,000.00	$1,000.00	.50	.50
18 MONTHS CD	$1,000.00	$1,000.00	.70	.70
2 YEARS CD	$1,000.00	$1,000.00	.80	.80
30 MONTHS CD	$1,000.00	$1,000.00	1.00	1.00
3 YEARS CD	$1,000.00	$1,000.00	1.10	1.10
1,2 OR 3 YEARS CD	$500.00	$500.00	.25	.25
2 Year I.R.A. CD	Minimum & Maximum Balances Based on I.R.A. Regulations		1.15	1.15
I.R.A. Advantage* Maximum Term: 1 Year	$50.00	$50.00	1.15	1.15

* Variable Rate Accounts. Rates can change after account is opened.
**Daily balance (the amount of principal in the account each day)

Farmers & Merchants Union Bank is participating in the FDIC's Transaction Account Guarantee Program. All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules. The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.