First National Bank

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CD Rates

Time Certificate of Deposit Rates APY & Interest Rates Effective August 24, 2010.
Term	APY*	Interest Rate	Minimum Deposit
3 Months	.55%	.55%	$1000.00
6 Months	1.05%	1.05%	$1000.00
12 Months	1.35%	1.34%	$1000.00
24 Months	1.85%	1.84%	$1000.00
48 Months	2.45%	2.43%	$1000.00
CD Specials
11 Months	1.50%	1.49%	$5000.00
36 Months	2.10%	2.08%	$5000.00
60 Months	2.65%	2.62%	$5000.00
APY - Annual Percentage Yield Substantial Penalty for Early Withdrawal *Variable Rate Account - The rate may change after the account is opened.

Retirement Account Rates: IRA-SEP-KEOUGH effective as of August 24, 2010.
Term	APY*	Interest Rate	Minimum Deposit
48 Months	2.70%	2.67%	$1,000.00
Variable Rate Account**	2.45%	2.43%	< $10,000.00
	2.70%	2.67%	> $10,000.00
APY - Annual Percentage Yield Substantial Penalty for Early Withdrawal *Variable Rate Account - The rate may change after the account is opened. SEE ABOVE FOR FIXED RATE IRA TERMS

Deposit Rates effective August 24, 2010.
Term	APY*	Interest Rate
Premier**	0.20%	0.20%
Premier Plus**	0.25%	0.25%
Statement Savings**	0.35%	0.35%
Money Market
< $4,999.99	0.25%	0.25%
$250,000 and up	1.05%	1.05%
$100,000 - $249,999.99	0.70%	0.70%
$25,000.00 - $99,999.99	0.55%	0.55%
$5,000.00 - $24,999.99	0.40%	0.40%
Kids Club**	0.35%	0.35%
* APY - Annual Percentage Yield Fees may reduce earnings ** Variable Rate Account - The rate may change after the account is opened.

CURRENT CD RATES

APY as high as:	Rate
11 Months	1.50%
36 Months	2.10%
60 Months	2.65%
Rates Subject to Change

SEE ALL CURRENT RATES

News

Money Connection Online Unavailable
First National Bank will be doing system updates on Sunday, September 12th. As a result, Money Connection Online will be unavailable from 8 a.m. until approximately 1 p.m. Money Connection Telephone Banking will be available for everything except balance transfers. The phone number for phone banking is 319.352.2591. Thank you for your patience!

FDIC Coverage to $250,000 Made Permanent
The Dodd-Frank Wall Street Reform and Consumer Protection Act signed by President Barack Obama on July 21, 2010, made permanent the current standard maximum deposit insurance amount (SMDIA) of $250,000. The FDIC coverage limit applies per depositor, per insured depository institution, for each account ownership category.

First National Bank Wants Customers Aware of New Overdraft Rules
First National Bank wants consumers to be aware of new rules that will go into effect this summer governing overdraft coverage and fees. These rules prohibit financial institutions from charging overdraft fees on ATM withdrawals and debit card purchases unless the consumer has opted into the overdraft coverage service. The new rules take effect July 1 for new accounts and Aug. 10 for existing accounts.

More News.