12 Month
CD & IRA
1.00% APY*
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For more information, please contact a Personal Banker

HOME EQUITY LOAN - *Annual Percentage Rate (APR) effective July 19, 2010, through October 15, 2010. 5.00% APR is a fixed rate based on a fully amortized five-year loan up to 80% loan-to-value Ratio. Fixed rate of 5.00% APR equals payments of $18.87 for 60 months for each $1,000 borrowed. Fixed rate 6.00% APR equals payments of $11.10 for 120 months for each $1,000 borrowed. ¥Closing fees waived for home equity loans up to $100,000 and range from $400 to $2,000 for loans of $100,000 or greater. Offer available for owner-occupied residences only and subject to credit approval. Advertised rates apply to new home equity loans and not available for refinancing of Central Illinois Bank home equity loans. Property insurance and flood (if applicable) required. †Consult a tax advisor regarding the deductibility of interest. All terms and conditions of this offer are subject to change at any time without notice.

CD & IRA - *Annual Percentage Yield. $2,500 minimum balance required to open and obtain. Rate accurate and effective 8/24/10. Withdrawals made prior to maturity may be subject to an early withdrawal penalty. **12 Month CD & IRA $250,000 maximum deposit.

***Personal Index Money Market - To receive the bonus of 1.30% *Annual Percentage Yield (APY) effective as of 5/28/10 and guaranteed for the first 182 days after account opening. Offer limited to minimum $50,000 of new money not currently on deposit with CIBM Bank. After 182 day introductory period, we may change the interest rate on your account at any time. As of 5/28/10 balances of $0.00 - $24,999.99 (.15% APY); $25,000 - $99,999.99 (.80% APY); $100,000 and above (1.00% APY). Maximum deposit limited to $250,000. Offer not available in combination with any other offer. Special rate offer expires 9/30/10. Fees may reduce earnings. If account is closed within 6 months of opening date, it is subject to a $25.00 closing fee.

***Personal Index Money Market - To receive the bonus of 1.10% *Annual Percentage Yield (APY) effective as of 5/28/10 and guaranteed for the first 182 days after account opening. Offer limited to minimum $10,000 of new money not currently on deposit with CIBM Bank. After 182 day introductory period, we may change the interest rate on your account at any time.As of 5/28/10 balances of $0.00 - $24,999.99 (.15% APY); $25,000 - $99,999.99 (.80% APY); $100,000 and above (1.00% APY). Maximum deposit limited to $250,000. Offer not available in combination with any other offer. Special rate offer expires 9/30/10. Fees may reduce earnings. If account is closed within 6 months of opening date, it is subject to a $25.00 closing fee.

Offers may be changed, adjusted or withdrawn without notice. Promotional rates may not apply at all Central Illinois Bank locations.