Rates

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New Money Certificates of Deposit Specials

Term	Minimum Required	Minimum Balance to Obtain APY	Interest Rate	APY*
13 Month	$10,000	$10,000	3.88%	3.95%
24 Month	$10,000	$10,000	3.687%	3.75%
* Annual Percentage Yield ** Penalty for early withdrawal and/or restrictions may apply. $10,000 New Money to the Bank of Brodhead required, Rates are subject to change without notice. Fees could reduce earnings. Rates Effective as of February 1st, 2023.

Certificates of Deposit

Term	Minimum Required	Minimum Balance to Obtain APY	Interest Rate	APY*
31 Day	$500	$500	0.30%	0.30%
91 Day	$500	$500	0.50%	0.50%
6 Month	$500	$500	0.50%	0.50%
9 Month	$500	$500	0.55%	0.55%
1 Year	$500	$500	0.60%	0.60%
1 1/2 Year	$500	$500	0.70%	0.70%
2 Year	$500	$500	0.70%	0.70%
2 1/2 Year	$500	$500	0.75%	0.75%
3 Year	$500	$500	0.85%	0.85%
4 Year	$500	$500	1.05%	1.05%
5 Year	$500	$500	1.25%	1.26%
* Annual Percentage Yield ** Penalty for early withdrawal and/or restrictions may apply. Rates are subject to change without notice. Fees could reduce earnings. Rates Effective as of February 1st, 2023.

Interest Bearing Checking

Account Type	Minimum Required	Minimum Balance to Obtain APY	Interest Rate	APY*
Super Now	$1,000	$1,000	0.10%	0.10%
Now	$500	$500	0.05%	0.05%
HSA	$500	$500	0.50%	0.50%
* Annual Percentage Yield ** Penalty for early withdrawal and/or restrictions may apply. Rates are subject to change without notice. Fees could reduce earnings. Rates Effective as of February 1st, 2023.

Passbook Savings

Account Type	Minimum Required	Minimum Balance to Obtain APY	Interest Rate	APY*
Passbook/Statement Savings	$50.00	N/A	0.12%	0.12%
Golden Passbook	$1,000.00	$1,000.00	1.00%	1.00%
* Annual Percentage Yield ** Penalty for early withdrawal and/or restrictions may apply. Rates are subject to change without notice. Fees could reduce earnings. Rates Effective as of February 1st, 2023.

Safe Money Market Tiered Rates

Amount

Minimum Balance to Obtain APY

Interest
Rate

APY*

$1,000 - 9,999

$1,000

0.10%

$10,000 - 24,999

$10,000

0.15%

$25,000 - 49,999

$25,000

0.15%

$50,000 - 99,999

$50,000

0.20%

$100,000 +

$100,000

0.25%

* Annual Percentage Yield
Rates are subject to change without notice. Fees could reduce earnings.
Rates Effective as of February 1st, 2023.

Platinum Money Market Tiered Rates

Amount	Minimum Balance to Obtain APY	Interest Rate	APY*
$1,000 - 24,999	$1,000	0.10%	0.10%
$25,000 - 49,999	$25,000	0.15%	0.15%
$50,000 - 249,999	$50,000	0.35%	0.35%
$250,000 +	$250,000	0.40%	0.40%
* Annual Percentage Yield **Interest rate subject to change weekly. Minimum balance to open or maintain of $1000.00. If Balance falls below $1000.00, rate reverts to a Now Account rate and a $10.00 fee is charged. Rates Effective as of February 1st, 2023.

Individual Retirement Accounts

Account Type	Minimum Balance to Obtain APY	Length	Interest Rate	APY*
Fixed Rate IRA	$500	1 & 2 Years	0.85%	0.85%
Variable Rate IRA	$500	1 Year	0.85%	0.85%
* Annual Percentage Yield ** Penalty for early withdrawal and/or restrictions may apply. Rates are subject to change without notice. Fees could reduce earnings. Rates Effective as of February 1st, 2023.

Fixed Rate Mortgages

Mortgage Term	Interest Rate	APR*	Monthly Payment
15 Year Fixed	5.625%	5.630%	$1235.60
20 Year Fixed	5.750%	5.754%	$1053.13
30 Year Fixed	5.750%	5.753%	$875.36
The rates in this table are indicative only. Your rate is subject to market fluctuations until it is locked. Rates are subject to change without notice. APR= Annual Percentage Rate *Payment and APR are based on $150,000 loan amount with 80% loan to value. Your actual rate, payment, and costs may be higher. Payments do not include taxes and insurance. Actual payments will be higher. Get an official Loan Estimate before choosing a loan. Fixed rates are available Monday through Friday 9:00 a.m. to 3:00 p.m. CST, except for certain federal and bond market holidays. For all loan rates and closing costs estimates, please contact a Mortgage Lender. Subject to credit approval. See why your APR may be different Advertised APR (annual percentage rate) assumes excellent borrower credit history. Your actual APR may differ based on your credit history, approved loan amount, term, and age of vehicle. These factors will be reflected in your individual APR quote if you are approved for a loan. The APR shown on the chart below is based on a 4-year, fixed-rate auto loan for $15,000.00 (including origination and financing fees). Based on a simple interest rate of 4.74% this loan would have 48 monthly payments of $343.71 each and an (APR) of 4.92%. “Auto” includes cars, trucks, vans and SUVs. Recreational property rates are 2.0% higher than published auto rates.

Loan Amount	Rate	APR	Term	Monthly Payment
$15,000.00	4.74%	4.92%	48 Months	$343.71