^{Fees may reduce earnings on these accounts.  Interest Rate and APY may change.
Savings: $50.00 deposit to open.  Monthly average balance $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. Monthly average balance of at least $1,500.00 in your HSA- no monthly maintenance fees. If monthly average balance falls below $1,500.00- $2.00 maintenance fee per month.}

^{$1,000.00 deposit to open. Daily minimum balance above $1,000.00- no montly maintenance fees.} 

^{If daily 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: 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.}

Minimum deposit required to open an account is $50.00. Certain qualifications apply to earn these interest rates and if requirements are not met, the balance will earn .05% interest and .05% APY**. Please contact a personal banker today to learn more about Premier checking!

^{$50.00 deposit to open.  Daily minimum balance above $500.00 - no monthly maintenance fees. 
If minimum balance falls below $500.00 - $6.00 maintenance fee per month.}

^{$50.00 deposit to open. $1,000.00 daily minimum balance in order to earn interest. No monthly service charge.}

**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 Bank will be aggregated with any account balances of the depositor in the following offices, branches, or internet sites of Bruning Bank:}

^{Bruning Bank - Hebron Branch
Bruning Bank - Broken Bow Branch
Bruning Bank - Holdrege Branch
Bruning Bank - Kearney Branch
Bruning Bank - Grand Island Branch}

^{The total account balances of a depositor with Bruning 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."}