Interest Rates

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Certificates of Deposit

Term	Interest Rate	Annual Percentage Yield
91 Days	0.45%	0.45%
182 Days	0.60%	0.60%
9 Months	0.85%	0.85%
12 Months	0.90%	0.90%
15 Months	1.10%	1.10%
18 Months	1.34%	1.35%
21 Months	1.49%	1.50%
24 Months	1.74%	1.75%
30 Months - Special	1.99%	2.00%
36 Months	2.30%	2.32%
48 Month Exchange - Special	2.82%	2.85%

Interest rates and annual percentage yields are effective 2/02/10 - 2/08/10. 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	0.85%	0.85%
12 Months	0.90%	0.90%
15 Months	1.10%	1.10%
18 Months	1.34%	1.35%
21 Months	1.49%	1.50%
24 Months	1.74%	1.75%
30 Months - Special	1.99%	2.00%
36 Months	2.30%	2.32%
48 Month Exchange - Special	2.82%	2.85%

Interest rates and annual percentage yields are effective 2/02/10 - 2/08/10. 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	1.75%	1.76%

Interest rates and annual percentage yields are effective 1/01/10 - 1/31/10. 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	0.35%	0.35%
$50,000 - $99,999.99	0.30%	0.30%
$10,000 - $49,999.99	0.20%	0.20%
$2,500 - $9,999.99	0.15%	0.15%
$.01 - $2,499.99	0.10%	0.10%

Interest rates and annual percentage yields are effective 1/01/10 - 1/31/10. 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	0.25%	0.25%
$2,500 - $24,999.99	0.20%	0.20%
$500 - $2,499.99	0.15%	0.15%
$.01 - $499.99	0.10%	0.10%

Interest rates and annual percentage yields are effective 1/01/10 - 1/31/10. 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 +	0.25%	0.25%

Interest rates and annual percentage yields are effective 1/01/10 - 1/31/10. 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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