Deposit Rates

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DEPOSIT RATES

Deposits

Rates Effective: 11/17/2008

Rates are subject to change at any time

Certificates of Deposit

Account Type	APY*	Interest Rate**	Minimum To Open	Balance To Earn Interest
11 Months	3.25	3.20	$1,000.00
48 Months	4.00	3.92	$10,000.00
48 Months	4.25	4.16	$50,000.00

Penalty for early withdrawal

CDARS (Certificate of Deposit Account Registry Service)
- A safe, convenient solution for large-deposit investors.
- Call a Customer Service Representative for rate info.

Money Market

Account Type	APY*	Interest Rate**	Minimum To Open	Balance To Earn Interest
	0.25	0.25	$100.00	$0-$24,999.99
	0.45	0.45	$100.00	$25,000.00 - $49,999.99
	0.65	0.65	$100.00	$50,000.00 - $149,999.99
	0.80	0.80	$100.00	$150,000.00 - $499,999.99
	1.01	1.00	$100.00	>$500,000.00

Fees could reduce the earnings on the account

Liquid Investment

Account Type	APY*	Interest Rate**	Minimum To Open	Balance To Earn Interest
	0.15	0.15	$100.00	$10,000.00 - $49,999.99
	0.30	0.30	$100.00	$50,000.00 - $149,999.99
	0.50	0.50	$100.00	$150,000.00 - $499,999.99
	0.75	0.75	$100.00	$500,000.00 - $999,999.99
	1.26	1.25	$100.00	$1,000,000.00 +

*APY = Annual Percentage Yield
**Rates are variable

Call a Customer Service Representative for more information:
802-388-4982 (connecting all branches).

National Bank of Middlebury
P.O. Box 189
Middlebury, VT 05753-0189
802-388-4982 • 877-508-8455
info@nationalbankmiddlebury.com


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