This Rate Chart 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
Prime Checking**	$ 100.00	$ 1,000.00***	0.15%	0.15%
Prime Checking Plus**  Average Daily Balance of:    up to $10,000.00    $10,000.01-$25,000.00    $25,000.01 and up	$ 1,000.00	$ 10,000.00***	0.15% 0.30% 0.55%	0.15% 0.30% 0.55%
Prime Checking 50**	$ 100.00		0.15%	0.15%
Shareholder Checking**  Average Daily Balance of:    up to $10,000.00    $10,000.01-$25,000.00    $25,000.01 and up	$ 100.00		0.15% 0.30% 0.55%	0.15% 0.30% 0.55%
Preferred Checking	$ 100.00		0.55%	0.55%
Business NOW Checking**	$ 100.00	$ 1,000.00***	0.15%	0.15%
Non-Profit NOW Checking**	$ 100.00	$0.00	0.15%	0.15%
Treasure Savings**	$ 100.00	$ 100.00***	0.50%	0.50%
Youth Treasure Savings**			0.50%	0.50%
Business Savings**	$ 100.00	$ 100.00***	0.50%	0.50%
Health Savings Account**	$ 100.00	$ 100.00***	0.50%	0.50%
IRA Variable Savings**	$100.00	$0.00	0.60%	0.60%
Money Market Savings** (Business or Personal)  Average Daily Balance of:    up to $100,000.00    $100,000.01 and up	$ 1,000.00	$ 1,000.00***	.60% .75%	.60% .75%

For Certificates of Deposit rates, please contact us at 406-543-8700.

**The interest rate and annual percentage yield may change after account opening.

***Average daily balance. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.