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 2.75% 2.77%
12 Months $500.00 2.90% 2.93%
13 Month Special* $1000.00 3.10% 3.10%
18 Months $500.00 3.10% 3.14%
24 Months $500.00 3.10% 3.14%
36 Months $500.00 3.20% 3.24%
48 Months $500.00 3.25% 3.29%
60 Months $500.00 3.40% 3.44%
* Interest paid monthly or at maturity  |  Updated 05/02/08

Individual Retirement Accounts

Term

Minimum Balance To Open

Interest Rate

Annual Percentage Yield

12 Months $500.00 2.90% 2.94%
30 Months $500.00 3.15% 3.20%
Updated 05/02/08

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