** Close browser window after viewing disclosure to return to site

First Bank of the South Deposit Rates
Effective 12/22/2005
Personal Checking with Interest
Interest Rate APY Minimum Balance
Tier 1 1.29% 1.30% $0.00 - $999.99
Tier 2 1.39% 1.40% $1,000.00 - $9,999.99
Tier 3 1.54% 1.55% $10,000.00 - $24,999.99
Tier 4 1.54% 1.55% $25,000.00 - $49,999.99
Tier 5 1.54% 1.55% $50,000.00 - $99,999.99
Tier 6 1.64% 1.65% $100,000.00 +
Silver Circle
Interest Rate APY Minimum Balance
Tier 1 1.29% 1.30% $0.00 - $999.99
Tier 2 1.39% 1.40% $1,000.00 - $9,999.99
Tier 3 1.54% 1.55% $10,000.00 - $24,999.99
Tier 4 1.54% 1.55% $25,000.00 - $49,999.99
Tier 5 1.54% 1.55% $50,000.00 - $99,999.99
Tier 6 1.64% 1.65% $100,000.00 +
Type of Deposit Account Minimum Deposit to Open Account Minimum Balance   APY*   Compounding Interest Rate
INTEREST CHECKING
Business Interest Checking *
(*sole proprietorship only)
100.00 $1,000.00 0.25% Monthly 0.25%
SAVINGS ACCOUNTS
Junior Savings 100.00 $25.00 1.00% Quarterly 1.00%
Regular Personal Savings 100.00 $200 1.00% Quarterly 1.00%
Personal Prime Savings 100.00 $1,000.00 3.10% Monthly 3.06%
100.00 999.99 and below 1.30% Monthly 1.29%
MONEY MARKET ACCOUNTS
Personal MMA   $500,000.00 + 3.85% Monthly 3.78%
  $100,000.00 - $499,999.99 3.45% Monthly 3.40%
  $25,000.00 - $99,999.99 2.35% Monthly 2.33%
  $10,000.00 - $24,999.99 1.95% Monthly 1.93%
  $1,000.00 - $9,999.99 1.80% Monthly 1.79%
$100.00 $0.00 - $999.99 1.65% Monthly 1.64%
Commercial MMA   $2,000,000.00 + 3.40% Monthly 3.35%
  $1,000,000.00 - $1,999,999.99 3.30% Monthly 3.25%
  $500,000.00 - $999,999.99 2.80% Monthly 2.77%
  $250,000.00 - $499,999.99 2.55% Monthly 2.52%
  $100,000.00 - $249,999.99 2.15% Monthly 2.13%
  $50,000.00 - $99,999.99 1.90% Monthly 1.89%
  $5,000.00 - $49,999.99 1.80% Monthly 1.79%
$100.00 $0.00 - $4,999.99 1.65% Monthly 1.64%
Certificate of Deposits**
91 Day CD 500.00 $500.00 2.75% Maturity 2.72%
182 Day CD 500.00 $500.00 3.75% Quarterly 3.70%
365 Day CD 500.00 $500.00 4.35% Quarterly 4.28%
One & Half Year CD 500.00 $500.00 4.60% Quarterly 4.52%
Two Year CD 500.00 $500.00 4.50% Quarterly 4.43%
Three Year CD 500.00 $500.00 4.50% Quarterly 4.43%
Four Year CD 500.00 $500.00 4.50% Quarterly 4.43%
Five Year CD 500.00 $500.00 4.50% Quarterly 4.43%
Individual Retirement Accounts*  **
91 Day IRA 500.00 $500.00 2.75% Maturity 2.72%
182 Day IRA 500.00 $500.00 3.75% Quarterly 3.70%
365 Day IRA 500.00 $500.00 4.35% Quarterly 4.28%
One & Half Year IRA 500.00 $500.00 4.60% Quarterly 4.52%
Two Year IRA 500.00 $500.00 4.50% Quarterly 4.43%
Three Year IRA 500.00 $500.00 4.50% Quarterly 4.43%
Four Year IRA 500.00 $500.00 4.50% Quarterly 4.43%
Five Year IRA 500.00 $500.00 4.50% Quarterly 4.43%


*You may make a contribution up to $2,000.00 into your spouse's IRA if you meet the special spousal IRA rules.

**Penalty may be imposed for early withdrawal

Rates are subject to change

APY=Annual Percentage Yield. Minimum term for IRAs is one year. All CDs compound quarterly except 91 days, which do not compound. Rates can be changed at any time without notice.

**The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Fees may reduce earnings.



See CSR for Details Member FDIC