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Current Rates

INTEREST RATES AND ANNUAL PERCENTAGE YIELDS
Current as of March 7, 2012
ACCOUNT
MINIMUM BALANCE REQUIRED
INTEREST RATE
ANNUAL PERCENTAGE YIELD
3 Month CD
$100.00
.20%
.20%
3 Month CD
$1,000.00
.30%
.30%
6 Month CD
$1,000.00
.40%
.40%
9 Month CD
$500.00
.50%
.50%
12 Month CD
$500.00
.75%
.75%
18 Month CD
$500.00
.85%
.85%
24 Month CD
$500.00
1.00%
1.00%
30 Month CD
$500.00
1.30%
1.31%
60 Month CD**
$10,000.00
2.00%
2.02%
Graduate CD*
$25.00
4.00%
4.00%
Traditional/Roth IRA*
-
1.25%
1.25%
Education IRA*
-
1.25%
1.25%
A penalty will be imposed for early withdrawal.

* The interest rate and annual percentage yield may change after account opening.

** Requires a Citizens National Bank Deposit Account

For current rate information call (218) 732-3393.


Statement & Christmas Savings Accounts
$10.00 *
.15%
.15%
Hometown Interest Checking Accounts
$1,000.00 **
.10%
.10%
Money Market Account
TIER RATES APPLY
The interest rate and annual percentage yield may change after account opening.

* 12 free debits per quarter. 50 per additional withdrawal. Fee charged may affect the rate and annual percentage yield.

** If balance falls below $1,000.00 a $10.00 fee is charged. Fee charged may affect the rate and annual percentage yield.

Fees could reduce the earnings on the account. Interest Rates and Annual Percentage Yields may change without notice.

For current rate information call (218) 732-3393.


SECONDARY MARKET MORTGAGE RATES
Conforming Programs based on a $150,000 Loan Amount
Rates Effective as of March 7, 2012
TERM
Rate
**APR
10 - Year Fixed
2.875%
3.093%
15 -Year Fixed
2.875%
3.083%
20 -Year Fixed
3.500%
3.659%
30 -Year Fixed
3.625%
3.752%
FIRST TIME HOME BUYER
(Maximum Purchase Price $237,031
30 -Year Fixed
** APR Annual Percentage Rate does not include closing cost
45,60 & 85 day lock available.
RD & Jumbo rates available upon request
Rate dependent on credit score, equity, property type and loan qualifications
Rates are subject to change without notice.

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