Current Rates

Checking Accounts
Savings Accounts
Money Market Accounts
Certificates of Deposit / IRAs

North Salem State Bank Rates listed are current as of 01/06/2010
APY = Annual Percentage Yield | Member FDIC

Checking Accounts

Products APY Interest Rate

Sterling Checking

$1-4,999 0.15 0.15

$5,000-$24,999 0.20 0.20

$25,000-74,999 0.30 0.30

$75,000 & over 0.40 0.40

Disclosures:

Minimum balance to obtain APY $1,000.00
Fees could reduce earnings on the account.

Rates may change after account opening.

Specials

Products APY Interest Rate

N/A - -

Savings Accounts
Products	APY	Interest Rate
Silver Savings
Any Amount	0.40	0.40
Sterling Savings
$1-4,999	0.15	0.15
$5,000-$24,999	0.25	0.25
$25,000-74,999	0.35	0.35
$75,000 & over	0.40	0.40
Disclosures: Activity restrictions apply. Minimum balance to obtain APY $1,000.00. Fees could reduce earnings on the account. Rates may change after account opening.
Specials
Products	APY	Interest Rate
N/A	-	-

Money Market Accounts

Products APY Interest Rate

DocuMoney Market

$1-10,000 0.15 0.15

$10,001-25,000 0.25 0.25

$25,001-60,000 0.45 0.45

$60,001 & over 0.60 0.60

Specials

Products APY Interest Rate

N/A - -

Disclosures:

Activity restrictions apply.
Minimum balance to obtain APY $1,000.00 Minimum balance to open account $2,500.00.
Fees could reduce earnings on the account. Rates may change after account opening.

Certificates of Deposit Individual Retirement Accounts

Products APY Interest Rate Products APY Interest Rate

91 Day
0.66 0.65

182 day 0.86 0.85 182 day - -

12 month 1.16 1.15 12 month 1.16 1.15

18 month 1.26 1.25 18 month 1.26 1.25

24 month 1.46 1.45 24 month 1.46 1.45

30 month 1.61 1.60 30 month 1.61 1.60

36 month 1.82 1.80 36 month 1.82 1.80

48 month 2.32 2.30 48 month 2.32 2.30

60 month 2.62 2.60 60 month 2.62 2.60

84 month 3.03 3.00 84 month 3.03 3.00

College Savings CD (<= $10,000) 2.87 2.85

College Savings CD (> $10,000) 3.12 3.10

CD and IRA Specials

Products APY Interest Rate

25-Month 2.25 2.23

45-Month 2.75 2.72

Disclosures:

CD and IRA Specials require NSSB transaction account.

A penalty may be imposed for early withdrawal.
The term on the College Savings CD may vary, see Representative for details.

Minimum balance to obtain APY = $1,000.00

Effective Date of Interest Rates: 01/06/2010

Certificates of Deposit			Individual Retirement Accounts
Products	APY	Interest Rate	Products	APY	Interest Rate
91 Day	0.66	0.65
182 day	0.86	0.85	182 day	-	-
12 month	1.16	1.15	12 month	1.16	1.15
18 month	1.26	1.25	18 month	1.26	1.25
24 month	1.46	1.45	24 month	1.46	1.45
30 month	1.61	1.60	30 month	1.61	1.60
36 month	1.82	1.80	36 month	1.82	1.80
48 month	2.32	2.30	48 month	2.32	2.30
60 month	2.62	2.60	60 month	2.62	2.60
84 month	3.03	3.00	84 month	3.03	3.00
College Savings CD (<= $10,000)	2.87	2.85
College Savings CD (> $10,000)	3.12	3.10
CD and IRA Specials
Products	APY	Interest Rate

25-Month	2.25	2.23
45-Month	2.75	2.72

Disclosures: CD and IRA Specials require NSSB transaction account. A penalty may be imposed for early withdrawal. The term on the College Savings CD may vary, see Representative for details. Minimum balance to obtain APY = $1,000.00 Effective Date of Interest Rates: 01/06/2010