Rates

Certificate Rates are effective as of 8/3/2010.

Fixed Rate Certificate of Deposit (CD)*
APY = Annual Percentage Yield
*Substantial Penalty for Early Withdrawal


Minimum to Open
Interest Rate
APY
3 Month Term $2,500 .75% .75%
6 Month Term $2,500 1.00% 1.00%
12 Month Term $1,000 1.25% 1.26%
18 Month Term $1,000 1.45% 1.46%
24 Month Term $1,000 1.60% 1.61%
30 Month Term $1,000 1.80% 1.81%
36 Month Term $1,000 1.95% 1.97%
48 Month Term $1,000 2.30% 2.32%
60 Month Term $1,000 2.65% 2.68%
11 Month Term "Sprout" CD for Children $25 1.25% 1.26%
35 Month Term "Sprout" CD for Children $25 1.50% 1.51%
59 Month Term "Sprout" CD for Children $25 2.00% 2.02%

For additional disclosure information, contact 217-229-3701.


Deposit rates are effective as of 3/23/2010.

Variable Rate Individual Retirement Account (IRA)* **
APY = Annual Percentage Yield
*Substantial Penalty for Early Withdrawal May Apply
**These IRA accounts are variable rate accounts; the rates and APYs may change after the account is opened.


Minimum to Open
Interest Rate
APY
18 Month Term $100 1.90% 1.92
30 Month Term $100 2.00% 2.02

For additional disclosure information, contact FNB at 217-229-3701


Fixed Rate Individual Retirement Account (IRA)*
APY = Annual Percentage Yield
*Substantial Penalty for Early Withdrawal May Apply


18, 24, 30, 36, 48, and 60 month terms are available at the same rate as CD terms


Roth Individual Retirement Account (IRA)*
APY = Annual Percentage Yield
*Substantial Penalty for Early Withdrawal May Apply


Minimum to Open
Interest Rate
APY
18 Month Term $100 2.00% 2.02


Coverdell Education Savings Account*
APY = Annual Percentage Yield
*Substantial Penalty for Early Withdrawal May Apply


Minimum to Open
Interest Rate
APY
18 Month Term $100 2.00% 2.02

For additional disclosure information, contact FNB at 217-229-3701


Interest Bearing Checking* **


APY = Annual Percentage Yield
**These checking accounts are variable rate accounts; the rates and APYs may change after the account is opened. Fees could reduce the earnings on the accounts.
****Ownership restrictions apply to some commercial entities.


NOW Checking


Minimum to Open
Interest Rate
APY
Balances between .01 - $19,999.99 $1,500 .50% .50%
Balances between $20,000 - $49,999.99 $1,500 75.% .75%
Balances between $50,000 - $99,999.99 $1,500 1.00% 1.00%
Balances between $100,000 - $199,999.99 $1,500 1.25% 1.26%
Balances between $200,000 - $499,999.99 $1,500 1.50% 1.51%
Balances $500,000 and above $1,500 1.75% 1.76%


Money Market Deposit (MMDA)


Minimum to Open
Interest Rate
APY
Balances between .01 - $19,999.99 $2,500 .50% .50%
Balances between $20,000 - $49,999.99 $2,500 .75% .75%
Balances between $50,000 - $99,999.99 $2,500 1.00% 1.00%
Balances between $100,000 - $199,999.99 $2,500 1.25% 1.26%
Balances between $200,000 - $499,999.99 $2,500 1.50% 1.51%
Balances $500,000 and above $2,500 1.75% 1.76%

For additional disclosure information, contact 217-229-3701


Savings*
APY = Annual Percentage Yield
*These savings accounts are variable rate accounts; the rates and APYs may change after the account is opened. Fees could reduce the earnings on these accounts.


Minimum to Open
Interest Rate
APY
Statement Savings $50.00 .75% .75%
Christmas Club $2.00 .75% .75%

For additional disclosure information, contact 217-229-3701