Current Rates :: First Independent Bank

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APYs* are effective as of 08-08-08. For further information, please call 360-699-4200.

TIME DEPOSIT

Term	Minimum Deposit to open Account	Minimum Through $49,999	$50,000 and Over
7-27 Days	$25,000	Rate APY .50% .50%	Rate APY .75% .75%
1 Month	$5,000	1.40% 1.40%	1.54% 1.55%
2 Month	$2,500	1.59% 1.60%	1.74% 1.75%
3 Month	$1,000	1.74% 1.75%	1.84% 1.85%
6 Month	$1,000	1.84% 1.85%	2.04% 2.05%
9 Month	$1,000	2.00% 2.01%	2.14% 2.15%
12 Month	$500	2.38% 2.40%	2.53% 2.55%
18 Month	$500	2.43% 2.45%	2.58% 2.60%
2 Year	$500	2.82% 2.85%	2.92% 2.95%
3 Year	$500	3.07% 3.10%	3.21% 3.25%
5 Year	$500	3.41% 3.45%	3.56% 3.61%
IRA** 18 Month Variable	$100	2.50% 2.53%	2.50% 2.53%

IRA** Savings	RATE	APY
$0-1,499	1.59%	1.60%
$1,500 and above	2.62%	2.65%

Club Fifty Plus bonus on time deposits over $50,000 is 0.05%. Visit any First Independent branch office for more information.

FIRST ACCOUNT - MONEY MARKET

	RATE	APY
$0 - $24,999	.65%	.65%
$25,000 - $99,999	.95%	.95%
$100,000 - $499,999	1.19%	1.20%
$500,000 - $999,999	1.34%	1.35%
$1,000,000+	1.84%	1.85%

INTEREST CHECKING

	RATE	APY
Minimum to open $100	.10%	.10%

SAVINGS

	RATE	APY
Minimum to open $100	.29%	.29%

PRIME RATE

	RATE
Wall Street Journal Prime Rate	5.00%

Interest is calculated on the daily balance. Interest will begin to accrue on the same business day the bank receives credit based on the First Independent Bank Availability schedule. An early withdrawal penalty may be imposed on Time Deposits. On variable rate accounts the rate may change after the account is opened. Interest yield will be lower if you withdraw interest instead of allowing it to compound. Fees could reduce the earnings on your account.

*APY = ANNUAL PERCENTAGE YIELD is a percentage rate reflecting the total amount of interest paid on an account in a 365 day period, based on the interest rate and the frequency of compounding.

**Traditional and Roth Individual Retirement Account (IRAs) deposits are insured up to $250,000. All IRA accounts owned by the same person on deposit at the same institution will be added together and the total will be insured up to $250,000.

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