DEPOSIT RATES For the most current rates online, Merchants & Farmers Bank is your resource. We update this section of our website each week. Check the date at the top of the table. While we take every effort to maintain current and accurate rates on our website, please contact a personal banking representative at any of our locations for current information or with any questions you may have. For additional information, contact us!	Customer Service Products & Services Home Loan Rates Deposit Rates Privacy Policy E-Banking Contact Us Security Reminders Request Information

DEPOSIT RATES** DEPOSIT RATES**

Effective: May 12, 2008
	Interest Rate	Annual Percentage Yield
SAVINGS	1.30%	1.31%
HSA Health Savings Account	1.30%	1.31%
NOW	0.80%	0.80%
MMA 0-$9,999.99	1.00%	1.00%
MMA $10,000-$24,999.99	1.65%	1.66%
MMA $25,000-$49,999.99	1.80%	1.81%
MMA $50,000 and over	2.00%	2.02%
IRA	2.40%	2.43%
30 day CD	.60%	.60%
60 day CD	1.05%	1.05%
91 day CD	1.65%	1.66%
182 day CD	2.05%	2.07%
273 day CD	1.65%	1.66%
12 mo CD	2.10%	2.12%
18 mo CD	2.10%	2.12%
24 mo CD	2.15%	2.17%
30 mo CD	2.15%	2.17%
36 mo CD	2.25%	2.27%
48 mo CD	2.60%	2.63%
Special CD	Please Call	Please Call

** Please Note:
• Penalty for early withdrawal
• Minimum opening balance required for these accounts are as follows:
  • Free checking Account: $50.00
  • Savings Account: $200.00
  • Now Account: $1,000.00
  • Money Market Account: $2,500.00
  • Individual Retirement Account: $500.00
  • Certificates of Deposit: $1,000.00
• APY based on quarterly compounding except NOW, Money Market and Individual Retirement Accounts which are based on monthly compounding.

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