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Fixed Rate Certificate of Deposit & IRA CD Accounts
Rates Effective as of: February 25, 2016
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%
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 :February 25, 2016
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 Secured Loan (Marketable Securities)Rates
Effective as of: February 25, 2016
Type
Loan Amount
Term
Processing Fee
Interest Rate
APR*
Payment*
Secured (Stock)
$10,000
3 years
$99
6.00% (prime rate floating, 6.00% floor, 19.00% ceiling)
6.67%
$304.24
Secured (C.D./Savings Account)
$5,000
3 years
$99
1.90%
3.22%
$143.00
*(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 3.50% (effective 12/17/15). 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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