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First State Bank & Trust Company
Rate Information
May 6, 2008

TERMMINIMUM DEPOSITINT. RATEAPY*
CD's
7 - 31 Days$ 2,500.000.90%0.90%
32 - 90 Days2,500.001.25%1.26%
91 - 181 Days2,500.001.85%1.86%
182 - 364 Days2,500.002.40%2.42%
12 Months1,000.002.50%2.52%
18 Months1,000.002.55%2.57%
24 Months1,000.002.55%2.57%
30 Months1,000.002.60%2.63%
36 Months1,000.002.65%2.68%
48 Months1,000.002.70%2.73%
60 Months1,000.002.80%2.83%
All rates are simple interest (Interest may be added to CD each 3 months or 6 months if maturity is 3 months or longer)
 
Compounded quarterly
IRA's
3 Month - Fixed1.85%1.86%
6 Month - Fixed2.40%2.42%
12 Month - Fixed2.50%2.52%
18 Month - Variable2.40%2.42%
18 Month - Fixed2.55%2.57%
24 Month - Fixed2.55%2.57%
30 Month - Fixed2.60%2.63%
36 Month - Fixed2.65%2.68%
48 Month - Fixed2.70%2.73%
60 Month - Fixed2.80%2.83%
Super Money Market2,500.001.00%1.00%
Super Money Market25,000.001.10%1.11%
Super Money Market75,000.001.60%1.61%
Super Money Market150,000.001.90%1.92%
Money Market2,500.001.05%1.05%
Super Now2,500.000.95%0.95%
Now1,500.000.90%0.90%
Savings Account100.001.00%1.00%
The rate on your account may change at any time
 
* ANNUAL PERCENTAGE YIELD
 
For existing funds in this institution, the rate will be negotiable on balances of $100,000.00 or more on all the above disclosed CD/IRA terms.

You may request a disclosure, which contains the terms, fees, and rate information for deposit accounts you already have, or any that we may offer, at any time. Just ask Peggie Snow or Charlene Burns in New Accounts or Judy Davis or Cheri Jamison in the CD Dept.
You may also contact them by telephone at (903) 693-6606.

Rates are subject to change and are accurate as of May 6, 2008. See the bank for current rates.


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Copyright 2003 First State Bank & Trust Co.
Member FDIC. Equal Housing Lender.