Interest Rates

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Certificates of Deposit

Term	Interest Rate	Annual Percentage Yield
91 Days	1.40%	1.41%
182 Days	1.50%	1.51%
9 Months	1.70%	1.71%
12 Months	1.75%	1.76%
15 Months	2.00%	2.02%
18 Months	2.10%	2.12%
21 Months - Special	3.45%	3.49%
24 Months	2.38%	2.40%
30 Months	2.58%	2.61%
36 Months	2.77%	2.80%
48 Month Exchange - Special	3.70%	3.75%

Interest rates and annual percentage yields are effective 1/06/09 - 1/12/09. An interest penalty will be imposed for early withdrawal. Minimum balance to open an account is $500.

Fixed-Rate IRAs

Term	Interest Rate	Annual Percentage Yield
9 Months	1.70%	1.71%
12 Months	1.75%	1.76%
15 Months	2.00%	2.02%
18 Months	2.10%	2.12%
21 Months - Special	3.45%	3.49%
24 Months	2.38%	2.40%
30 Months	2.58%	2.61%
36 Months	2.77%	2.80%
48 Month Exchange - Special	3.70%	3.75%

Interest rates and annual percentage yields are effective 1/06/09 - 1/12/09. An interest penalty will be imposed for early withdrawal. Minimum balance to open an account is $25.

Variable IRAs & Health Savings Accounts

Term	Interest Rate	Annual Percentage Yield
Variable	2.47%	2.50%

Interest rates and annual percentage yields are effective 1/01/09 - 1/31/09. Variable IRAs are renewals only. An interest penalty will be imposed for early withdrawal (IRAs only). Minimum balance to open a Health Savings Account is $25.

Money Market Investment Account

Balance	Interest Rate	Annual Percentage Yield
$100,000 and up	1.00%	1.01%
$50,000 - $99,999.99	0.75%	0.75%
$10,000 - $49,999.99	0.60%	0.60%
$2,500 - $9,999.99	0.45%	0.45%
$.01 - $2,499.99	0.30%	0.30%

Interest rates and annual percentage yields are effective 1/01/09 - 1/31/09. Rates may change after the account is opened. Minimum balance to open an account is $100. Fees may reduce earnings.

Interest-Bearing (NOW) Checking Account

Balance	Interest Rate	Annual Percentage Yield
$25,000 and up	0.50%	0.50%
$2,500 - $24,999.99	0.40%	0.40%
$500 - $2,499.99	0.30%	0.30%
$.01 - $499.99	0.20%	0.20%

Interest rates and annual percentage yields are effective 1/01/09 - 1/31/09. Rates may change after the account is opened. Minimum balance to open an account is $100. Fees may reduce earnings.

Savings Account

Balance	Interest Rate	Annual Percentage Yield
$1 +	0.50%	0.50%

Interest rates and annual percentage yields are effective 1/01/09 - 1/31/09. Rates may change after the account is opened. Minimum balance to open an account is $100. Fees may reduce earnings.

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The Cattle National Bank & Trust Co. - Seward, NE. Member FDIC. If you would like to open an account with us or have additional questions please call (402) 643-3636

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