Hillcrest Bank


November 22, 2008

All Rates effective 11/20/08

Special Promotion CDs
CDs
Interest Bearing Checking Accounts
Savings Accounts
Money Market Accounts
Individual Retirement Accounts (IRA's)
Business T-Bill Checking Account
Commercial CDs
Prime Rate History

Special Promotion CDs

Account Type

APY*

Interest Rate

7 Month

3.35%

3.296%

13 Month

3.65%

3.585%

25 Month

3.75%

3.682%

*APY - Annual Percentage Yield

CDs automatically renew. Minimum balance to open and obtain APY is $10,000. A substantial penalty may be imposed for early withdrawals. APY is accurate as of 11/20/2008.

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CDs

Account Type

APY*

Interest Rate

1 Month

0.75%

0.748%

3 Month

2.50%

2.470%

6 Month

3.00%

2.956%

1 Year

3.00%

2.956%

18 Month

3.00%

2.956%

2 Year

3.00%

2.956%

3 Year

3.00%

2.956%

4 Year

3.00%

2.956%

5 Year

3.00%

2.956%

*APY - Annual Percentage Yield

CDs automatically renew. Minimum balance to open and obtain APY is $1,000. A substantial penalty may be imposed for early withdrawals. APY is accurate as of 11/20/2008.

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Interest Bearing Checking Accounts

Account Type

APY

Interest Rate

Minimum Deposit To Open Account

Minimum Balance To Obtain APY

Hillcrest Basic e-Checking

0.25%

$100

Hillcrest Preferred Checking

0.25%

$100

Hillcrest 50+ Checking

0.25%

$100

SMART h Checking

0.25%

$100

Under $2,500

1.00%

1.000%

$100

$2,500-$9,999

2.00%

1.981%

$100

$10,000-$24,999

2.00%

1.981%

$100

$25,000-$49,999

2.00%

1.981%

$100

$50,000+

Interest rate and annual percentage yield may change after account opening.

Fees could reduce earnings on the account.

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Savings Accounts

Account Type

APY

Interest Rate

Minimum Deposit To Open Account

Minimum Balance To Obtain APY

Regular Savings - Personal

0.75%

0.748%

$100

Commercial Savings Account

0.75%

0.748%

$100

Minor Savings

0.75%

0.748%

$10

Interest rate and annual percentage yield may change after account opening.

Fees could reduce earnings on the account.

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Money Market Accounts

Account Type

APY

Interest Rate

Minimum Deposit To Open Account

Minimum Balance To Obtain APY

Performance Money Market

1.25%

1.243%

$2,500

$2,500* - $9,999

2.25%

2.225%

$2,500

$10,000 - $24,999

2.25%

2.225%

$2,500

$25,000 - $49,999

2.50%

2.470%

$2,500

$50,000 - $99,999

2.50%

2.470%

$2,500

$100,000 - $499,999

2.75%

2.713%

$2,500

$500,000+

Our Performance Money Market Account is set up to reward your higher account balances with higher interest rates.

Interest rate and annual percentage yield may change after account opening.

Fees could reduce earnings on the account.

*If the minimum balance falls below $2,500, the interest rate will be calculated at the NOW account rate.

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Individual Retirement Accounts (IRA's)

Term

APY

Interest Rate

6 Month*

2.75%

2.713%

1 Year*

2.75%

2.713%

18 Month*

2.75%

2.713%

2 Year*

2.75%

2.713%

3 Year*

2.75%

2.713%

4 Year*

2.75%

2.713%

5 Year*

2.75%

2.713%

*$1,000 minimum opening deposit.
Penalty may be imposed for early withdrawal.

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Business T-Bill Checking Account

Account Type

Interest Rate based on % yield on 91-day T-Bill

Minimum Deposit to Open Account

Minimum Balance to Obtain APY

Business T-Bill Checking

30% T-Bill Rate

$1,000

$1,000* - $9,999

40% T-Bill Rate

$1,000

$10,000 - $49,999

50% T-Bill Rate

$1,000

$50,000 - $74,999

80% T-Bill Rate

$1,000

$75,000+

This account is set up to reward higher account balances with higher interest rates based on a percentage yield of the 91-day Treasury Bill. This product is limited to not-for-profit organizations, sole proprietorships and government entities.

Interest rate and annual percentage yield may change after account opening.

Fees could reduce earnings on the account.

*Balances that fall below $1,000 will receive the NOW Account Rate.

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Commercial CDs

Account Type

APY*

Interest Rate

1 Month

.75%

.748%

3 Month

2.50%

2.470%

6 Month

3.00%

2.956%

1 Year

3.00%

2.956%

18 Month

3.00%

2.956%

2 Year

3.00%

2.956%

3 Year

3.00%

2.956%

4 Year

3.00%

2.956%

5 Year

3.00%

2.956%

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Prime Rate History

October 31, 2008

4.00%

October 09, 2008

4.50%

May 1, 2008

5.00%

March 19, 2008

5.25%

January 31, 2008

6.00%

January 23, 2008

6.50%

December 12, 2007

7.25%

November 1, 2007

7.50%

September 19, 2007

7.75%

June 30, 2006

8.25%

May 10, 2006

8.00%

March 28, 2006

7.75%

January 31, 2006

7.50%

December 14, 2005

7.25%

November 2, 2005

7.00%

September 21, 2005

6.75%

August 10, 2005

6.50%

July 1, 2005

6.25%

May 3, 2005

6.00%

March 23, 2005

5.75%

February 2, 2005

5.50%

December 15, 2004

5.25%

November 12, 2004

5.00%

September 23, 2004

4.75%

August 11, 2004

4.50%

July 2, 2004

4.25%

June 30, 2003

4.00%

November 8, 2002

4.25%

December 13, 2001

4.75%

November 8, 2001

5.00%

October 4, 2001

5.50%

September 19, 2001

6.00%

August 23, 2001

6.50%

June 29, 2001

6.75%

May 17, 2001

7.00%

April 20, 2001

7.50%

March 22, 2001

8.00%

February 2, 2001

8.50%

January 5, 2001

9.00%

May 18, 2000

9.50%

March 23, 2000

9.00%

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	Rates

		Personal Banking - CDs & IRAs

		Personal Banking - Savings & Money Market

		Application Center

Consumer online banking with bill payment is now available and it’s FREE. Click Enroll Now to apply.

Check out our new SMART h Checking account with the advantages of unlimited check writing and the tiered interest rates of a money market account!

Customer Information Center: (239) 254-2999 or (866) 516-2999
24-hour Telephone Banking Number (239) 254-0331 or (866) 461-0331
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