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CERTIFICATE OF DEPOSIT Min Deposit to Open Account Min Balance to Obtain APY Interest Rate APY 
91 Day Certificate*++ $500 $500** .25% .25% 
182 Day Certificate*++ $500 $500** .50% .50% 
9 Month Certificate*++ $500 $500** .60% .60% 
1 Year Certificate*++ $500 $500** 1.00% 1.01% 
2 Year Certificate*++ $500 $500** 1.10% 1.11% 
3 Year Certificate*++ $500 $500** 1.20% 1.21% 
4 Year Certificate*++ $500 $500** 1.35% 1.36% 
5 Year Certificate*++ $500 $500** 1.50% 1.51% 
MILLENNIUM BANK ACTIVE CHECKING ACCOUNT CUSTOMERS RECEIVE A BONUS RELATIONSHIP RATE, SEE A CUSTOMER SERVICE REP REGARDING RATES.


CHECKING Min Deposit to Open Account Min Balance to Obtain APY Rate APY 
Prime Time Checking++ $100 $1,000** 0.15% 0.15% 
Advantage Checking++ $1,000 $0 0.15% 0.15% 
Tier 2 $10,000.00 .25% 0.25% 
Tier 3 $25,000.00 .25% 0.25% 
Tier 4 $50,000.00 .25% 0.25% 


MONEY MARKET Min Deposit to Open Account Min Balance to Obtain APY Rate APY 
Premier Money Market++ $1,000 $0 0.50% 0.50% 
Tier 2 $5,000.00 0.70% 0.70% 
Tier 3 $10,000.00 0.85% 0.85% 
Tier 4 $20,000.00 1.00% 1.01% 


IRA Min Deposit to Open Account Min Balance to Obtain APY Rate APY 
18 Month IRA* $100 $100** 1.50% 1.51% 


SAVINGS Min Deposit to Open Account Min Balance to Obtain APY Rate APY 
Young Investors Savings++ $10 $0 .99% .99% 
Personal Savings++ $100 $0 .99% .99% 
* A penalty may be imposed for early withdrawal
** Daily balance. The amount of principal in the account each day.
++ The interest rate and annual percentage yield may change after account opening
Fees could reduce the earnings on the account
For current information call 785-761-2265
Interest Rates and Annual Percentage Yields are subject to change. Rates & Yields are current as of 10/20/11

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