First State Bank of North Dakota

DEPOSIT ACCOUNT RATES
Interest Rates & Annual Percentage Yield's (APY's) are current as of
July 21, 2016

FSBND CD SPECIALS
FSBND Certificate of Deposit Specials
Description	Minimum Opening Deposit	Interest Rate	Annual Percentage Yield
There are currently no CD Specials available



CERTIFICATES OF DEPOSIT Call an employee for more information on fees, rates & terms
Description	Minimum Opening Deposit	Interest Rate	Annual Percentage Yield
60 Month Certificate of Deposit*	$1,000.00	1.39%	1.39%
48 Month Certificate of Deposit*	$1,000.00	1.14%	1.14%
36 Month Certificate of Deposit*	$1,000.00	0.87%	0.87%
24 Month Certificate of Deposit*	$1,000.00	0.57%	0.57%
(The interest rate and annual percentage yield may change after account opening, once per term, on 24 month through 60 month CDs)
12 Month Certificate of Deposit *	$1,000.00	0.34%	0.34%
6 Month Certificate of Deposit *	$1,000.00	0.19%	0.19%
3 Month Certificate of Deposit *	$1,000.00	0.12%	0.12%
* A penalty may be imposed for early withdrawal.

SAVINGS ACCOUNT
Description	Minimum Opening Deposit	Interest Rate	Annual Percentage Yield
Regular Savings** You must maintain a minimum average daily balance of $25.00 to obtain the disclosed annual percentage yield.	$25.00	0.10%	0.10%
IRA Savings**	$25.00	0.57%	0.57%
** The interest rate and annual percentage yield may change after account opening. Fees may reduce earnings on the account(s).

N.O.W. ACCOUNTS
Description	Minimum Opening Deposit	Interest Rate	Annual Percentage Yield
Average Daily Balance: up to $9,999.99***	$500.00	0.05%	0.05%
$10,000.00 to $24,999.99***	$500.00	0.08%	0.08%
$25,000.00 and up***	$500.00	0.13%	0.13%
*** The interest rate and annual percentage yield may change after account opening. Fees may reduce earnings on the account(s).

MONEY MARKET ACCOUNTS
Description	Minimum Opening Deposit	Interest Rate	Annual Percentage Yield
Average Daily Balance: up to $9,999.99***	$2,500.00	0.05%	0.05%
$10,000.00 to $24,999.99***	$2,500.00	0.08%	0.08%
$25,000.00 to $99,999.99***	$2,500.00	0.16%	0.16%
$100,000.00 to $249,999.99***	$2,500.00	0.26%	0.26%
$250,000.00 and up***	$2,500.00	0.36%	0.36%
*** The interest rate and annual percentage yield may change after account opening. Fees may reduce earnings on the account(s). Credit card processing rates are variable and subject to credit card processing approval.