Rates

Rates

Certificates of Deposit
TERM
INTEREST RATE
APY**
COMPOUNDS
182 Days
0.65%
0.65%
Quarterly
9 Months
0.75%
0.75%
Quarterly
12 Months
1.15%
1.16%
Quarterly
13 Months Special
2.15%
2.17%
Quarterly
18 Months
1.35%
1.36%
Quarterly
24 Months
1.85%
1.86%
Quarterly
30 Months
1.90%
1.91%
Quarterly
36 Months Step Up **
2.75%
2.78%
Quarterly
48 Months
2.35%
2.37%
Quarterly
60 Months
2.35%
2.37%
Quarterly
84 Months*
2.35%
2.37%
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.
**The interest rate can be changed one time during the term to the current interest rate of the 36 month certificate.
*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 0.25% 0.25%
2,500.00-24,999.99 0.40% 0.40%
25,000.00-49,999.99 0.40% 0.40%
50,000.00-74,999.99 0.40% 0.40%
75,000.00-99,999.99 0.40% 0.40%
100,000.00 and Above 0.65% 0.65%

$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) 0.60% 0.60%
12-Month IRA CD 1.15% 1.16%
36-Month IRA CD Step Up* 2.75% 2.78%
84-Month IRA CD 2.35% 2.37%

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.
*The interest rate can be changed on time during the term to the current interest rate of the 36 month certificate.


Country Plus Interest Checking Accounts
TIERS INTEREST RATE APY**
.01-49,999.99 0.25% 0.25%
50,000.00-99,999.99 0.25% 0.25%
100,000.00 and Above 0.30% 0.30%

$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 0.25% 0.25%
50,000.00-99,999.99 0.25% 0.25%
100,000.00 and Above 0.30% 0.30%

$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."