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 1.75% 1.76%
12 Months $500.00 2.05% 2.07%
13 Month Special* $1000.00 2.15% 2.15%
18 Months $500.00 2.20% 2.22%
24 Months $500.00 2.35% 2.37%
36 Months $500.00 2.50% 2.52%
48 Months $500.00 2.90% 2.93%
60 Months $500.00 2.90% 2.93%
* Interest paid monthly or at maturity  |  Updated 06/01/09

Individual Retirement Accounts

Term

Minimum Balance To Open

Interest Rate

Annual Percentage Yield

12 Months $500.00 2.05% 2.07%
30 Months $500.00 2.40% 2.43%
Updated 06/01/09

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