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Rate Center

Mortgage Rates*

*Please contact a Mortgage Loan Officer for Citizens First Current Mortgage Rates

Click here to locate a Mortage Loan Officer near you

Type	Rate	APR*
30–YEAR FIXED	CALL	CALL
15–YEAR FIXED	CALL	CALL
40-YEAR FIXED	CALL	CALL
FHA/VA 30–YEAR FIXED	CALL	CALL
RURAL HOUSING 30–YEAR FIXED	CALL	CALL
KENTUCY HOUSING	CALL	CALL
JUMBO30–YEARFIXED(>$417,000)	CALL	CALL
JUMBO15–YEARFIXED(>$417,000)	CALL	CALL

100% PURCHASE PROGRAMS	CALL	CALL
FIRST TIME HOMEBUYER	CALL	CALL
SLOW CREDIT	CALL	CALL

*Annual Percentage Rate based upon $100,000 loan amount with 80% LTV and typical closing costs. Jumbo category based upon $418,000 loan amount with 80% LTV and typical closing costs. Example: 30–year fixed program will result in a monthly P&I of $591.54. Other loan programs may result in a different monthly P&I. Rates/APR subject to change at anytime without notice and applicants must qualify.

Personal and Business Rates

Account Product	Minimum Opening Deposit	Minimum Balance to Obtain APY**	Rate*	APY**
Stress Free Checking ^b	$100	$1,500.00^c
Daily Balances of:
$1,500 - up			0.25%	0.25%
Citizens First Club ^b	$100	$1,000.00^c
Daily Balances of:
$1,000 - 999,999,999			0.50%	0.50%
Plus Checking ^b	$100	$1,000.00^c
Daily Balances of:
$1,000 - up			0.50%	0.50%
Goldon Wheat Checking ^b	$100	$1,000.00^c
Daily Balances of:
$500 - up			0.50%	0.50%
Wheat One Checking ^b	$100	$1,000.00^c
Daily Balances of:			0.50%	0.50 %
$1,000 - up
Elite Choice Checking ^b	$100	$5,000.00^c
Daily Balances of:
$5,000 - 49,999			0.50%	0.50%
$50,000 - 99,999.99			1.00%	1.00%
$100,000 - up			1.25%	1.25%
Shareholder^b	$100.00	$500.00^c
Daily Balances of:
$500 - up			0.50%	0.50%
Personal Money Market ^b	$100.00	$2,500.00^c
Daily Balances of:
$2,500 - 14,999			0.90%	0.90%
$15,000 - 49,999			1.24%	1.24%
$50,000 - 249,999			1.49%	1.50%
$250,000 - 9,999,999,999			1.98%	2.00%
Primary Savings ^b	$100.00	$200.00^c
Daily Balances of:
$200 - up			0.25%	0.25%
Primary One Savings ^b	$100.00	$200.00^c
Daily Balances of:
$200 - up			0.25%	0.25%
Plus Savings ^b	$100.00	$500.00^c
Daily Balances of:
$500 - 999.99			0.25%	0.25%
$1,000 - 2,499.99			0.50%	0.50%
$2,500 - up			0.75%	0.75%

Christmas Club ^b			0.25%	0.25%

Commercial Plus Checking ^b	$100	$1,000.00^c
Daily Balances of:
$1,000 - up			0.50%	0.50%

Commercial Interest Analysis ^b	$100	$0.01^c	0.50%	0.50%

Commercial Money Market ^b	$100	$2,500.00^c
Daily Balances of:
$2,500 - 14,999.99			0.90%	0.90%
$15,000 - 99,999.99			1.24%	1.25%
$100,000 - 249,999.99			1.49%	1.50%
$250,000 - up			1.98%	2.00%

b) The interest rate and annual percentage yield may change after account opening.
c) Daily Balance. The amount of principal in the account each day.
Fees could reduce the earnings on the account.

*Rates subject to change. **Annual Percentage Yields
Effective Date as of 03-27-08

Certificate of Deposit (CD) Rates

Account Product	Minimum Opening Deposit	Rate*	APY**
1 Month CD^a	$5000.00	1.24%	1.25%
3 Month CD^a	$500.00	1.74%	1.75%
6 Month CD^a	$500.00	2.48%	2.50%
9 Month CD^a	$500.00	3.36%	3.40%
12 Month CD^a	$500.00	3.70%	3.75%
18 Month CD^a	$500.00	3.45%	3.49%
24 Month CD^a	$500.00	3.75%	3.80%
36 Month CD^a	$500.00	3.84%	3.90%
48 Month CD^a	$500.00	3.94%	4.00%
60 Month CD^a	$500.00	4.19%	4.25%
12 Month Prime Rate CD^a,b	$2,500.00	1.50%	1.51%
18 Month Excel-R-Rate CD^a,b	$500.00	3.35%	3.39%
36 Month Excel-R-Rate CD^a,b	$500.00	3.70%	3.75%

a) A Penalty may be imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening.
Fees could reduce the earnings on the account.

*Rates subject to change. **Annual Percentage Yields
All rates are for reference purposes only.
Effective Date as of 10-09-08


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