Certificate of Deposits and IRAs

Effective June 30, 2009

All rates are subject to change without notice

Term Penalty Minimum Amount
to Open Account
Minimum Balance
to Obtain APY*
Rate APY*
3 month 1 month $1,000.00 $1,000.00 0.75% 0.75%
6 Month 1 Month $1,000.00 $1,000.00 1.00% 1.00%
12 Month 3 Month $1,000.00 $1,000.00 1.985% 2.00%
18 Month 3 Month $1,000.00 $1,000.00 2.231% 2.25%
24 Month 6 Month $1,000.00 $1,000.00 2.477% 2.50%
36 Month 6 Month $1,000.00 $1,000.00 2.869% 2.90%
48 Month 6 Month $1,000.00 $1,000.00 3.016% 3.05%
60 Month 6 Month $1,000.00 $1,000.00 3.309% 3.35%

* The Annual Percentage Yield (APY) is accurate as of the publication date. Penalty will be assessed for early withdrawal and will reduce earnings. Minimum opening deposit of $1,000. Equity Bank reserves the right to limit the amount of deposit.

Note: Equity Bank may offer IRA accounts in any of the above noted Certificate Products.

For legal descriptions regarding any of the deposit products offered by Equity Bank, please refer to Truth In Savings disclosure received with your account opening information or contact one of our New Account Representatives to request information.

All rates are subject to change with out notice.

The Federal Deposit Insurance Corporation (FDIC) provides insurance on deposits in Equity Bank S.S.B. up to the maximum amount allowable by law.