Current Rates

10/07/2008

Rates are effective as of the above date.

Rates may change after the account is opened. Fees may reduce earnings.

*Annual Percentage Yield

Checking

Home Town Advantage

Interest Rate: .25%
*APY .25%

Home Town Advantage Plus

Interest Rate: .50%
*APY: .50%

Savings

Hometown Savings

Daily Balance	Interest Rate	*APY
Less than $5,000	0.50%	0.50%
$5,000 - $9,999.99	0.60%	0.60%
$10,000 - $24,999.99	0.75%	0.75%
$25,000 - $49,999.99	0.90%	0.90%
$50,000 and up	1.05%	1.06%

HomeTown Kids Savings

Daily Balance	Interest Rate	*APY
Less than $5,000	0.50%	0.50%
$5,000 - $9,999.99	0.60%	0.60%
$10,000 - $24,999.99	0.75%	0.75%
$25,000 - $49,999.99	0.90%	0.90%
$50,000 and up	1.05%	1.06%

HomeTown Money Market Savings

Daily Balance	Interest Rate	*APY
< $5,000.00	0.55%	0.55%
$5,000 TO $9,999.99	0.75%	0.75%
$10,000 TO $24,999.99	0.95%	0.95%
$25,000 to $49,999.99	1.05%	1.06%
$50,000 and up	1.25%	1.26%

HomeTown Elite Money Market Savings

Daily Balance	Interest Rate	*APY
< $5,000.00	0.55%	0.55%
$5,000 - $9,999.99	0.75%	0.75%
$10,000 - 24,999.99	0.95%	0.95%
$25,000-$49,999.99	1.25%	1.26%
$50,000-$99,999.99	1.50%	1.51%
$100,000 and up	1.75%	1.77%

Contact us at hometown@farmersstatebanksd.com to open a checking, savings or money market account, or contact your nearest branch.

Certificates of Deposit. Apply now!

Term	Interest Rate	*APY	Minimum Deposit	Compounding Frequency
91 Day	1.75%	1.76%	$1,000	at maturity
182 Day	2.10%	2.11%	$1,000	at maturity
1 Year	2.40%	2.43%	$300	daily
2 Year	2.50%	2.53%	$300	daily
3 Year	3.25%	3.30%	$300	daily
5 Year	3.45%	3.51%	$300	daily

Penalty may be applied for early withdrawal.

Individual Retirement Accounts (IRAs). Apply now!

Minimum to open	Interest Rate	*APY
$1,000	3.45%	3.51%

Questions? Email us at hometown@farmersstatebanksd.com, or call (605) 648-3683.