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Fixed Rate Certificate of Deposit & IRA CD Accounts
Rates Effective as of: March 04, 2014
Term
Minimum Balance (to Obtain APY)
Interest Rate
Annual Percentage Yield APY
3 Months
$1,000
0.10%
0.10%
6 Months
$1,000
0.10%
0.10%
12 Months
$1,000
0.20%
0.20%
18 Months
$1,000
0.25%
0.25%
24 Months
$1,000
0.30%
0.30%
30 Months
$1,000
0.35%
0.35%
36 Months
$1,000
0.40%
0.40%
48 Months
$1,000
0.55%
0.55%
60 Months
$1,000
0.85%
0.85%
3 Months
$50,000
0.15%
0.15%
6 Months
$50,000
0.15%
0.15%
12 Months
$50,000
0.25%
0.25%
18 Months
$50,000
0.30%
0.30%
24 Months
$50,000
0.35%
0.35%
30 Months
$50,000
0.40%
0.40%
36 Months
$50,000
0.45%
0.45%
48 Months
$50,000
0.60%
0.60%
60 Months
$50,000
0.90%
0.90%
30 Days
$100,000
0.10%
0.10%
3 Months
$100,000
0.20%
0.20%
6 Months
$100,000
0.20%
0.20%
12 Months
$100,000
0.30%
0.30%
18 Months
$100,000
0.35%
0.35%
24 Months
$100,000
0.40%
0.40%
30 Months
$100,000
0.45%
0.45%
36 Months
$100,000
0.50%
0.50%
48 Months
$100,000
0.65%
0.65%
60 Months
$100,000
0.95%
0.95%
Liquid CD: 12 Month Term
$5,000
0.10%
0.10%
IRA CDs can be opened for a period of 6 months or longer.

CDs with terms one year or longer earn interest quarterly.

APY is based on interest left in the account for one year.

There is a substantial penalty for early withdrawal.



Variable Rate Accounts
Rates Effective as of :March 04, 2014
Variable Rate Interest Bearing Accounts
Minimum Balance ( to Obtain APY)
Interest Rate
Annual Percentage Yield APY *
Statement Savings1
Any
0.15%
0.15%
Passbook Savings1
Any
0.15%
0.15%
Savings IRA 1
Any
0.10%
0.10%
N.O.W. Account
Less than $2,500
0.05%
0.05%
N.O.W. Account
$2,500
0.10%
0.10%
HSA N.O.W.
Any
0.10%
0.10%
Money Market
$1,000
0.05%
0.05%
Money Market
$10,000
0.10%
0.10%
Money Market
$25,000
0.20%
0.20%
Money Market
$100,000
0.40%
0.40%
Money Market
$250,000
0.55%
0.55%
1$100 Minimum Balance is required to open a Savings or IRA Savings account.

*VARIABLE RATE ACCOUNTS: Interest rate and annual percentage yield may change at our discretion. We may change the interest rate on your account every week.
All Interest Rates and Annual Percentage Yields are accurate as of the date shown: subject to change without notice. The disclosed Annual Percentage Yield assumes that interest will remain on deposit for one year. Fees or withdrawals of Interest will reduce earnings. There is a substantial penalty for the early withdrawal of a CD.



Consumer Vehicle Loan Rates
Accurate as of: November 19, 2014
Year
Term - Months
Processing Fee
Rate
APR*
Payment*
2014/2015
36
$99
2.84%
3.50%
$290.11
2014/2015
48
$99
3.00%
3.50%
$221.33
2014/2015
60
$99
3.59%
3.99%
$182.31
Used 2014
48
$99
4.49%
4.99%
$230.23
Used 2013
42
$99
4.75%
5.32%
$258.89
Used 2012
36
$99
5.25%
5.91%
$300.84
Used 2011
30
$99
5.75%
6.54%
$358.65
Used 2010
24
$99
6.25%
7.22%
$444.29
*APR's(Annual Percentage Rates)and monthly payments are based on a loan amount of $10,000; $99 Processing Fee & $18 collateral insurance fee on all vehicle loans; $5,000 minimum loan amount; 6-month minimum term. Maximum loan-to-value is 90% of the purchase price not including taxes, fees, or costs for new cars and 90% of the trade-in value for used cars. Rates are subject to change at any time.

AUTOMOBILE BUYER'S GUIDES: EDMUNDS

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Consumer Secured Loan (Marketable Securities)Rates
Effective as of: November 19, 2014
Type
Loan Amount
Term
Processing Fee
Interest Rate
APR*
Payment*
Secured (Stock)
$10,000
3 years
$99
6.000% (prime rate floating, 6.00% floor, 19.00% ceiling)
6.669%
$304.22
Secured (C.D./Savings Account)
$5,000
3 years
$99
1.900%
3.214%
$142.99
*(Annual Percentage Rate) APR's and monthly payment are based on sample loan amounts shown. The APR and monthly payments will change with the Prime Rate. The current Wall Street Journal Prime Rate is 3.25% (effective 08/16/13). Maximum term of 3 years. The loan-to-value requirement will vary depending upon the type and quality of the securities.

Savings and CD secured loans will have a fixed interest rate established at 1.50% above the rate paid on the collateral account as of the loan commitment date. For illustration purposes, the rate shown is based on a CD rate of 0.40%. Maximum term of 5 years but not to exceed maturity date of CD.

$2,500 minimum loan amount.

Rates are subject to change at any time.



Commercial/Other Loans
Forest Park National Bank & Trust Co. offers commercial loans, residential balloon mortgage loans, and will consider other secured loans on a case by case basis. Please call a Personal Banker for more information.






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