First Southern State Bank Personal AccountsCommercial AccountsInvestment ServicesLoans

Rates

Certificates of Deposit

Term

Minimum Balance To Open

Interest Rate

Annual Percentage Yield

6 Months $500.00 3.00% 3.02%
12 Months $500.00 3.15% 3.19%
13 Month Special* $1000.00 3.75% 3.75%
18 Months $500.00 3.25% 3.29%
24 Months $500.00 3.30% 3.34%
36 Months $500.00 3.40% 3.44%
48 Months $500.00 3.50% 3.55%
60 Months $500.00 3.75% 3.80%
* Interest paid monthly or at maturity  |  Updated 09/03/08

Individual Retirement Accounts

Term

Minimum Balance To Open

Interest Rate

Annual Percentage Yield

12 Months $500.00 3.15% 3.20%
30 Months $500.00 3.30% 3.35%
Updated 09/03/08

Penalties For Early Withdrawal:
Maturity of 12 months or less is 1 month of interest
Maturity of greater than 12 months is 3 months of interest