Rates

Rates

Certificates of Deposit
TERM INTEREST RATE APY** COMPOUNDS
182 Days 0.55% 0.55% Quarterly
9 Months 0.65% 0.65% Quarterly
12 Months 1.05% 1.05% Quarterly
13 Months 1.30% 1.31% Quarterly
18 Months 1.20% 1.21% Quarterly
24 Months 2.00% 2.01% Quarterly
30 Months 1.30% 1.31% Quarterly
36 Months 1.50% 1.51% Quarterly
48 Months 1.50% 1.51% Quarterly
60 Months 1.85% 1.86% Quarterly
84 Months 1.85% 1.86% Quarterly

$500 minimum deposit.  Interest on Certificates of Deposit may be mailed or deposited automatically.
Stated yield assumes interest is left to compound.  Substantial penalty for early withdrawal.
*For 84-mo CD only - $10,000 minimum deposit and 24 months interest penalty for early withdrawal.


Savings Accounts
  INTEREST RATE APY**
Country Savings Account 0.25% 0.25%
Health Savings Account (HSA) 0.10% 0.10%

Fees may reduce yield on these accounts.  Interest Rate and APY may change.
Country Savings: $50.00 deposit to open. Minimum balance above $100.00 - no monthly maintenance fees.  If monthly average ledger balance falls below $100.00 - $2.00 maintenance fee per month.
Health Savings: $1.00 deposit to open. Minimum balance above $1,500.00 - no monthly maintenance fees.  If minimum balance falls below $1,500.00 - $2.00 maintenance fee per month.


Money Market Savings Accounts
TIERS INTEREST RATE APY**
.01-2,499.99 0.20% 0.20%
2,500.00-24,999.99 0.25% 0.25%
25,000.00-49,999.99 0.25% 0.25%
50,000.00-74,999.99 0.25% 0.25%
75,000.00-99,999.99 0.25% 0.25%
100,000.00 and Above 0.30% 0.30%

$1,000.00 deposit to open.  Minimum balance above $1,000.00 - no monthly maintenance fees.
If minimum balance falls below $1,000.00 - $6.00 maintenance fee per month.  Minimum balance to receive APY is $0.01.  Fees may reduce earnings on these accounts.  Interest Rate and APY may change.


Individual Retirement Accounts
  INTEREST RATE APY**
Individual Retirement Account (IRA) 0.55% 0.55%
12-Month IRA CD 1.05% 1.05%
36-Month IRA CD 1.50% 1.51%
84-Month IRA CD 1.85% 1.86%

Fees may reduce earnings on these accounts.  Interest Rate and APY may change.
Individual Retirement Accounts: No minimum deposit or balance required.
IRA CDs: $10,000.00 minimum deposit required.  Stated yield on IRA CDs assumes
interest is left to compound.  Substantial penalty for early withdrawal from IRA CDs.


Country Plus Interest Checking Accounts
TIERS INTEREST RATE APY**
.01-49,999.99 0.20% 0.20%
50,000.00-99,999.99 0.20% 0.20%
100,000.00 and Above 0.25% 0.25%

$50.00 deposit to open.  Minimum balance above $500.00 - no monthly maintenance fees. 
If minimum balance falls below $500.00 - $6.00 maintenance fee per month.
Fees may reduce earnings on these accounts.  Interest Rate & APY may change.


Country Gold Checking Accounts
TIERS INTEREST RATE APY**
1,000.00-49,999.99 0.20% 0.20%
50,000.00-99,999.99 0.20% 0.20%
100,000.00 and Above 0.25% 0.25%

$50.00 deposit to open.  Minimum balance to receive APY is $1,000.00.
Fees may reduce earnings on these accounts.
  Interest Rate and APY may change.


**Annual Percentage Yield
Note: Interest Rates are subject to change without notice.

For Federal Deposit Insurance Corporation (FDIC) purposes, a depositor's account balances in Bruning State Bank will be aggregated with any account balances of the depositor in the following offices, branches, or internet sites of Bruning State Bank:

Bruning State Bank - Hebron Branch
Bruning State Bank - Broken Bow Branch
Bruning State Bank - Holdrege Branch
Bruning State Bank - Kearney Branch

The total account balances of a depositor with Bruning State Bank and its offices and branches will have the benefit of the deposit insurance coverage that the FDIC provides to a depositor's accounts in a single bank.  To determine the level of FDIC deposit insurance coverage available on accounts in a single bank, please ask for the FDIC brochure "Your Insured Deposit" or visit www.fdic.gov and, in the "Consumer Resources" section, click on "Your Insured Deposit."