First Southern Bank

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First Southern Bank
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. . .one customer at a time

See our CURRENT RATES-
(RATES ARE SUBJECT TO CHANGE DAILY)

Effective: May 8, 2008

Account type

Minimum Balance to Open

Minimum Balance to Obtain APY*

Rate

Annual Percentage Yield


CD - 91 Day	$1,000.00	$1,000.00	1.85%	1.85%
CD - 182 Day	$1,000.00	$1,000.00	2.35%	2.35%
CD - 12 Month	$1,000.00	$1,000.00	2.40%	2.40%
CD - 18 Month	$1,000.00	$1,000.00	2.50%	2.50%
CD - 24 Month	$1,000.00	$1,000.00	2.55%	2.55%
CD - 36 Month	$1,000.00	$1,000.00	2.75%	2.75%
CD - 48 Month	$1,000.00	$1,000.00	3.00%	3.00%
CD - 60 Month	$1,000.00	$1,000.00	3.25%	3.25%

IRA-Trad/Roth 12 Mth	$100.00	$100.00	2.40%	2.42%
IRA-Trad/Roth 24 Mth	$100.00	$100.00	2.55%	2.57%
IRA-Trad/Roth 36 Mth	$100.00	$100.00	2.75%	2.78%
IRA-Trad/Roth 48 Mth	$100.00	$100.00	3.00%	3.03%
IRA-Trad/Roth 60 Mth	$100.00	$100.00	3.25%	3.29%

Interest Checking (Pre 2/23/2006 Accounts)	$500.00	$500.00	0.25%	0.25%
High Performance Interest Checking Accounts	$50.00	NO MINIMUM	0.25%	0.25%
Wall Street Checking	$50.00 - $2,499.99	$0.00 - $2,499.99	0.25%	0.25%
"	$2,500.00 and above	$2500.00 & above	.75%	.75%

Statement Savings	$25.00	$25.00	0.40%	0.40%

Money Market	$500.00 - $9,999.99	$500.00 - $9,999.99	0.55%	0.55%
(3 Checks/Month)	$10,000.00 - $24,999.99	$10,000.00 - $24,999.99	0.85	0.85%
"	$25,000.00 - $49,999.99	$25,000.00 - $49,999.99	1.00%	1.00%
"	$50,000.00 & above	$50,000.00 & above	2.50%	2.53%

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Rates are subject to change daily. Fees may reduce earnings. A penalty could be imposed for early withdrawal.
* Annual Percentage Yield

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