Description	Minimum to Open	Minimum For Annual Percentage Yield	Interest Rate	**Annual Percentage Yield	Interest Paid or Compound
Personal Checking
Interest Checking	$ 50	$ 500	.15	.15	Monthly
Ultimate Checking	$ 50	$ 1,500	.15	.15	Monthly
Eagle Club  Ultimate Checking
Under $1,500	$ 100	$ 1,500	.00	.00	Monthly
$1,500 - $9,999	$ 100	$ 1,500	.15	.15	Monthly
$10,000 - $49,999	$ 100	$ 1,500	.25	.25	Monthly
$50,000 +	$ 100	$ 1,500	.45	.45	Monthly
Money   Market Plus
Under $10,000	$ 100	None	.60	.60	Monthly
$10,000 - $19,999	$ 100	None	1.00	1.00	Monthly
$20,000 - $49,999	$ 100	None	1.65	1.66	Monthly
$50,000 - $99,999	$ 100	None	2.20	2.22	Monthly
$100,000 +	$ 100	None	2.40	2.43	Monthly
Statement Savings	$ 100	300	.35	.35	Quarterly
Certificates*
Fixed Rate 3 Months
Under $10,000	$ 1,000		1.75	1.76	Maturity
$10,000 +	$ 1,000		2.10	2.12	Maturity
$25,000 +	$ 1,000		2.35	2.37	Maturity
Fixed Rate 6 Months
Under $10,000	$ 1,000		1.95	1.96	Maturity
$10,000 +	$ 1,000		2.40	2.41	Maturity
$25,000 +	$ 1,000		2.60	2.62	Maturity
Fixed Rate 12 Months
Under $10,000	$ 1,000		2.15	2.17	Quarterly
$10,000 +	$ 1,000		2.50	2.52	Quarterly
$25,000 +	$ 1,000		2.65	2.68	Quarterly
Fixed Rate 24 Months
Under $10,000	$ 1,000		2.75	2.78	Quarterly
$10,000 +	$ 1,000		2.85	2.88	Quarterly
$25,000 +	$ 1,000		2.95	2.98	Quarterly
Fixed Rate 36 Months
Under $10,000	$ 1,000		2.75	2.78	Quarterly
$10,000 +	$ 1,000		2.85	2.88	Quarterly
$25,000 +	$ 1,000		2.95	2.98	Quarterly
Fixed Rate 48 Months
Under $10,000	$ 1,000		2.75	2.78	Quarterly
$10,000 +	$ 1,000		3.00	3.03	Quarterly
$25,000 +	$ 1,000		3.10	3.14	Quarterly
Fixed Rate 60 Months
Under $10,000	$ 1,000		2.75	2.78	Quarterly
$10,000 +	$ 1,000		3.05	3.09	Quarterly
$25,000 +	$ 1,000		3.15	3.19	Quarterly
IRA Certificates
Fixed IRA   3-60 months
$1000	$ 1,000			See Certificate Rates & Terms
Variable IRA   36 months	$ 500		2.75	2.78	Quarterly
Health Savings Account
Under $1,000	$ 100	None	.50	.50	Monthly
$1,000 - $4,999	$ 100	None	1.10	1.11	Monthly
$5,000 - $9,999	$ 100	None	2.12	2.14	Monthly
$10,000 +	$ 100	None	3.14	3.19	Monthly
Special (Certificate of Deposit) with checking account
13 months	$ 10,000		3.00	3.03*	Maturity

* On certificates, early withdrawal penalties may apply

IRA Fee: A $25 IRA transfer fee will be assessed when closing a retirement account and transferring the funds outside Northern National Bank.

** Annual Percentage Yield assumes interest will remain on deposit until maturity; Withdrawal, penalty or fees could reduce earnings on the account. Interest rates currently offered on all deposit accounts are determined at the bank's discretion and may change without notice.