Current Rates

Checking & Savings Accounts
Effective September 15th, 2014
Account Type Interest Rate APY *
Consumer Savings Account - $100 opening balance .05 .05
Commercial Savings Account - $100 opening balance .05 .05
Consumer Super Now Checking - $1,000 opening balance .05 .05
Commercial Super Now Checking - $1,000 opening balance .05 .05
Consumer Money Market Checking - $1,000 opening balance .05 .05
Commercial Money Market Checking - $1,000 opening balance .05 .05
First Choice Checking - $100 opening balance - up to $15,000 1.01 1.01
First Choice Checking - $100 opening balance - amount over $15,000 .26 .26
Money Market - Repurchase Agreement ** .05 .05
Fees may reduce earnings on these accounts.
Rates may change after the account is opened, and are subject
to change without notice.

* APY = Annual Percentage Yield

** Not FDIC Insured

$3,000 - $99,999.99 Certificates of Deposit
Effective 
September 15th, 2014
Higher rates available for larger deposits.
Term/Period Interest Rate APY *
3 Months .05 .05
6 Months .15 .15
12 Months .30 .30
15-Month Special* .75 .75
24 Months .55 .55
36 Months .80 .80
48 Months 1.00 1.00

Rates are subject to change without notice.

* APY = Annual Percentage Yield - Calculated on a quarterly compounding basis for terms equal to or greater than 12 months and simple for lesser terms.

**Minimum Opening Balance = $3,000

*** An early withdrawal penalty may be imposed. Early withdrawal fees 
could result in a reduction in earnings and/or principal.

Please contact us for rates on deposits greater than $100,000 and 
for IRA variable rate investments.



 

Wall Street Journal Prime
As of 
September 15th, 2014
3.25%

Home Equity Line of Credit
Effective 
September 15th, 2014

LTV Variable Rate Current Rate
70% WSJ Prime 3.25 APR*
80% WSJ Prime +1% 4.25 APR*
90% WSJ Prime +1% 4.25 APR*
100% WSJ Prime +2% 5.25 APR*

Rates are subject to change without notice.


*Rate can vary depending on credit quality 
and does not include other cost such as fees.

Rate will vary for life of loan based on the Wall Street Journal Prime Rate.

Rate assumes CFB Checking account and autopayment — 
add .5% for non-checking customers.

Consumer Loans
Effective 
September 15th, 2014
Months 0-36 37-48 49-60
New 5.75 APR* 5.99 APR* 6.24 APR*
Used 6.45 APR* 7.24 APR* N/A

*Rate can vary depending on credit quality and does not include 
other cost such as fees.

Rate assumes CFB Checking account and autopayment — 
add .5% for non-checking customers.

For more information regarding these and other types of accounts, contact us at 913-371-1242.