Today's Date is Sunday, July 06, 2008

Open a Flex Gold Acount

Current Flex Gold Interest Rates

(Effective Since Thursday, May 29, 2008)

FlexGold $1,000

• 0.95% APY
• Compounds monthly
• $1,000.00 minimum balance to obtain APY
• $1,000.00 minimum opening balance
• Open Account

FlexGold $25,000

• 1.20% APY
• Compounds monthly
• $25,000.00 minimum balance to obtain APY
• $1,000.00 minimum opening balance
• Open Account

FlexGold $50,000

• 1.45% APY
• Compounds monthly
• $50,000.00 minimum balance to obtain APY
• $1,000.00 minimum opening balance
• Open Account

FlexGold $99,000

• 1.95% APY
• Compounds monthly
• $99,000.00 minimum balance to obtain APY
• $1,000.00 minimum opening balance
• Open Account

FlexGold $199,000

• 2.20% APY
• Compounds monthly
• $199,000.00 minimum balance to obtain APY
• $1,000.00 minimum opening balance
• Open Account

Flex Gold Features

Flex Gold is a liquid savings account that pays a premier interest rate.

• Monthly interest payment and statement
• Unlimited incoming wire transfers
• Three free outgoing wire transfers per month
• Free Online Banking and Telephone Banking access
• Automatic transfer service to and from checking*
• Free Shazam check card available**

Addtional Features and Requirements

• $1,000 minimum deposit to open account 
• Minimum balance $1,000; $10 monthly service charge if account falls below minimum. No interest earned on balances below minimum
• Service charge is based on daily ledger balances; minimum balance is equal to the daily minimum ledger balance 
• Variable rate changes daily
• Rates may change after account is opened
• Fees could reduce earnings
• Interest-bearing account uses simple (365/365) interest and is compounded monthly
• Interest calculation is based on available (collected) daily balances
• Overdrafts and NSF: $25 per item
• $25 fee if account is closed within 90 days of opening  

FOR CURRENT RATE INFORMATION CALL: 320-235-5720 OR 800-344-7048

(1) Rates may change without notice after account is opened
(2) Fees may reduce earnings
(3) Based on daily collected (available) balance

* Preauthorized, telephone, Online Banking, and Telephone Banking transfers are limited to a combined total of six per month as prescribed by federal regulations governing savings accounts

** Savings Account customers must also have a checking account relationship in order to receive a Shazam check card. $1 per transaction if used a non Shazam ATM machines.