Northern Michigan Bank & Trust
Deposit Account Rate Sheet
PLEASE NOTE:
- Golden Rewards and Carefree Super NOW customers will receive a rate increase of 0.25% when opening any Certificates of Deposit, Except Promotional Products. Golden Rewards customers must be age 50 or older, have at least a balance of $1,000.00 in the Golden Rewards account or a balance of at least $2,500.00 in their savings to qualify;Carefree Gold Super NOW accounts must have at least a balance of $2,500.00 to qualify.
- Rates for Jumbo Certificates of Deposit are quoted individually.
- Call Bill Jensen at 906-786-0220 ext. 136 for Jumbo Certificate rates.
- Account tiers may change after opening account.
| Account Product | Minimum Opening Deposit | Interest Rate | Annual Percentage Yield |
| 91 DAY Certificate of Deposita | $1,000.00 | 0.50% | 0.50% |
| 6 MONTH Certificate of Deposita | $1,000.00 | 0.50% | 0.50% |
| 9 MONTH Certificate of Deposita | $1,000.00 | 0.75% | 0.75% |
| 1 YEAR Certificate of Deposita | $1,000.00 | 1.00% | 1.00% |
| 2 YEAR - ONE WAYa First 6 months Next 6 months Next 6 months Thereafter |
$5,000.00 |
.75% 1.00% 1.25% 1.50% |
1.13% (composite) |
| 2 YEAR SAVER C.D.a | $1,000.00 | 1.25% | 1.25% |
| 3 YEAR Certificate of Deposita | $1,000.00 | 2.00% | 2.01% |
| 4 YEAR Certificate of Deposita | $1,000.00 | 2.25% | 2.27% |
| 5 YEAR Certificate of Deposita | $1,000.00 | 2.50% | 2.52% |
| REGULAR SAVINGS* | $1.00 | 0.25% | 0.25% |
| CHRISTMAS CLUBa | $1.00 | 1.00% | 1.00% |
| MONEY MARKET SAVINGS*Daily Balances of: up to $999.99 $1,000.00 - 9,999.99 $10,000.00 and up |
$1,000.00 | 0.15% 0.35% 0.50% |
0.15% 0.35% 0.50% |
| COMMERCIAL REGULAR SAVINGS* | $1.00 | 0.25% | 0.25% |
| COMMERCIAL MONEY MARKET SAVINGS*Daily Balances of: up to $999.99 $1,000.00 - 9,999.99 $10,000.00 and up |
$1,000.00 | 0.15% 0.35% 0.50% |
0.15% 0.35% 0.50% |
| HSA SAVINGS*Daily Balances of: $500.00 - $2,499.99 $2,500.00 - 9,999.99 $10,000.00 - 24,999.99 $25,000.00 and up |
$100.00 | 0.25% 0.50% 1.00% 1.25% |
0.25% 0.50% 1.01% 1.26% |
| GOLDEN REWARDS NOW* | $1.00 | 0.50% | 0.50% |
| CAREFREE NOW* | $1.00 | 0.25% | 0.25% |
| COMMERCIAL NOW* | $1.00 | 0.25% | 0.25% |
| CAREFREE GOLD (Super NOW)*Daily Balances of: up to $2,500.00 $2,500.01 - 10,000.00 $10,000.01 - 25,000.00 $25,000.01 - 50,000.00 $50,000.01 and up |
$2,500.00 | 0.25% 0.25% 0.50% 0.75% 1.00% |
0.25% 0.25% 0.50% 0.75% 1.00% |
| HSA CHECKING*Daily Balances of: $500.00 - $2,499.99 $2,500.00 - 9,999.99 $10,000.00 - 24,999.99 $25,000.00 and up |
$100.00 | 0.25% 0.50% 1.00% 1.25% |
0.25% 0.50% 1.00% 1.26% |
aA penalty may be imposed for early withdrawal.
*The interest rate and annual percentage yield may change after account opening.
Fees could reduce the earnings on the account.
Interest Rates and Annual Percentage Yields are current as of 09/01/2010.
For current rate information, please call (906) 786-0221.
Member FDIC
