Union State Bank - Current Rates

Deposit Rate Chart

This Rate Chart contains information about interest rates and annual percentage yields for some of the accounts we offer.

January 31, 2012

Account Product Name	Minimum Opening Deposit	Minimum Balance to Obtain Annual Percentage Yield	Interest Rate	Annual Percentage Yield
Hometown Banking Plus (b)	None	$1,000.00 (c)	.05%	.05%
Hometown Banking (b)	$300.00	$1,000.00 (c)	.05%	.05%
Union Gold Club Plus (b)	None	$1,000.00 (c)	.05%	.05%
Interest Checking (b)	None	None	.05%	.05%
Money Market Investment (b) Daily Balances of: up to $2,499.99 $2,500 - $9,999.99 $10,000.00 and up	$1,000.00	None	.05% .15% .20%	.05% .15% .20%
Money Market Plus (b) Daily Balances of: up to $14,999.99 $15,000 - $24,999.99 $25,000.00 and up	$25,000.00	None	.10% .25% .30%	.10% .25% .30%
Money Market Elite (b) Daily Balances of: up to $9,999.99 $10,000 - $49,999.99 $50,000.00 and up	$50,000.00	None	.10% .25% .35%	.10% .25% .35%
Health Savings Accounts (b) Daily Balances of: $1,000 to $4,999.99 $5,000 and up	None	$1,000.00 (c)	.10% .20%	.10% .20%
Variable Rate Savings (b)	None	None	.10%	.10%
Kids Club (b)	$10.00	None	.10%	.10%
Christmas Club (b)	None	None	.10%	.10%
Six Month Certificate of Deposit (a)	$2,500.00	None	.28%	.28%
One Year Certificate of Deposit (a)	$1,000.00	None	.50%	.50%
Two Year Certificate of Deposit (a)	$1,000.00	None	.80%	.80%
Three Year Certificate of Deposit (a)	$1,000.00	None	1.15%	1.15%
Four Year Certificate of Deposit (a)	$1,000.00	None	1.49%	1.50%
Five Year Certificate of Deposit (a)	$1,000.00	None	1.69%	1.70%

       (a) A penalty may be imposed for early withdrawal.
         (b) The interest rate and annual percentage yield may change after account opening.
         (c) Daily balance. The amount of the principal in the account each day.

Fees could reduce the earnings on the account.
Interest Rates and Annual Percentage Yields are current as of January 31, 2012.
For current rate information call 1-888-958-6466

"Your Community Bank for over 100 Years"