Certificates of Deposit

Competitive, guaranteed rates for term of deposit
$500 minimum deposit to open account and earn disclosed Annual Percentage Yield (APY)
Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity
A withdrawal of interest will reduce earnings
Automatically renewable for your convenience with 10 day grace period after maturity date
Available in terms from 1 month to 5 years
Interest compounded semi-annually
Interest can compound back into CD or be paid to you monthly, quarterly, or semi-annually by convenient direct deposit to your Holcomb State Bank checking or savings account
FDIC insured up to $250,000 until December 31, 2013. At that time FDIC coverage will revert back to $100,000 unless there are further changes by the FDIC to coverage limits in the coming year.
A penalty may be imposed for early withdrawal

Holcomb State Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2013, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

Equal Housing Lender Member FDIC

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