Rates

NOW Account	**APY(s)	Min. Opening Deposit
	0.10%	$95.00

**APY = Annual Percentage Yield Rate Current as of 12/1/16 This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.You must maintain a minimum average daily balance of $95.00 to obtain the disclosed annualpercentage yield. Any fees assessed may also reduce the APY.

Venture Club Account	**APY(s)	Min. Opening Deposit
	0.10%	$95.00

**APY = Annual Percentage Yield

Rate Current as of 12/1/16 This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.Any fees assessed may also reduce the APY.

Personal & Business Money Market Deposit Account	**APY(s)	Min. Opening Deposit
$0.00-$49,999.99	0.30%	$500.00 Personal $1000.00 Business
$50,000.00-$99,999.99	0.40%
$100,000-$249,999.99	0.50%
$250,000-$499,999.99	0.60%
$500,000 and above	0.70%

**APY = Annual Percentage Yield Rate Current as of 12/1/16 This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.

Personal & Business Savings Account	**APY(s)	Min. Opening Deposit
	0.30%	$10.00

**APY = Annual Percentage Yield Rate Current as of 12/1/16 This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. Fees may reduce earnings.

Kids Club Savings	**APY(s)	Min. Opening Deposit
	0.75%	$5.00

**APY = Annual Percentage Yield Rate Current as of 12/1/16 This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.

Health Savings or Individual Retirement Account	**APY(s)	Min. Opening Deposit
$0.00-$999.99	0.25%	$10.00 HSA $25.00 IRA
$1,000.00-$4,999.99	0.35%
$5,000.00 and above	0.50%

**APY = Annual Percentage Yield Rates Current as of 12/1/16 This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. Certificates of Deposit or Individual Retirement Account *Rate=Interest Rate **Annual Percentage Yeild

Product Name/Information	*Rate(s)	**APY(s)	Min. Opening Deposit
91 Day Certificate of Deposit	0.30%	0.30%	$500.00
182 Day Certificate of Deposit	0.50%	0.50%	$500.00
12 Month Certificate of Deposit	0.70%	0.70%	$500.00
18 Month Certificate of Deposit	0.80%	0.80%	$500.00
24 Month Certificate of Deposit	1.00%	1.00%	$500.00
36 Month Certificate of Deposit	1.30%	1.30%	$500.00
48 Month Certificate of Deposit	1.45%	1.45%	$500.00
60 Month Certificate of Deposit	1.70%	1.70%	$500.00

You must maintain a minimum average daily balance of $500.00 to obtain the disclosed annual percentage yield (APY). A penalty may be imposed for early withdrawal. Rates current as of 12/1/16

	*Rate	**APR
30 Year Fixed	4.125%	4.209%
20 Year Fixed	3.875%	3.991%
15 Year Fixed	3.375%	3.450%

*Rate=Interest Rate **APR = Annual Percentage Rate Current Rates posted on 1/19/17 Rates are effective at the time posted and may change without notice. Please call 715-684-3366 for further information. Mortgage Rate Assumptions: These APR (Annual Percentage Rate) calculations are based on the following: $100,000 loan amount with required monthly payments for the term of amortization selected at the corresponding interest rate with $1,015.00 ($515.00 for 15 year term) other charges that qualify as “finance charges”. Example: A $100,000.00 loan amount with a 20% down payment: 360 months at a rate of interest of 6.000% and APR of 6.044%, monthly payment would be $599.55*. 240 months at a rate of interest of 6.000% and APR of 6.059%, monthly payments would be $716.43*. 180 months at a rate of interest of 6.000% and APR of 6.074%, monthly payments would be $843.86*. *Does not include an escrow payment for taxes and insurance, actual payment obligation may be higher if an escrow account is established or required. Important Notices:

• The interest rates and annual percentage rates(APRs) shown are subject to change without notice.
• our actual experience may be different. Your APR will vary based on loan amount, finance charges, credit history, loan product, occupancy, property type, loan to value ratio, the use of subordinate financing, escrows, PMI, credit life/disability insurance, and overall credit profile.
• Equity and down payments of less than 20% require the purchase of private mortgage insurance, which will increase the APR.

• Account reconciliation/research (per hour): $25.00
• Certified Check (per check): $15.00
• On-line Bill Pay: $5.95** Free when used at least once per statement cycle.
• Copies of checks (per check): $3.00
• Copy of statement (per statement): $3.00
• Counter Checks per page-4 Checks: $1.00
• Deposited check return (per item): $20.00
• Check Collection: $25.00
• ATM/Debit Card Replacement: $5.00
• ATM/Debit Card or PIN Replacement: $5.00
• NSF check or NSF electronic payment:$30.00
• Overdraft item: $30.00
• Closed account within 60 days: $20.00
• Stop payment:$25.00
• Continuous 7 business day overdraft fee:$30.00
• Cashier's Checks (per check): $3.00
• Personal Money order (per money order): $2.00
• Fax incoming, first page: $1.00
  additional pages: $.50
• Fax outgoing, first page:$1.50
  additional pages: $.50
• Garnishments/Levies:$75.00
• Photocopies, per page:$.25
• Wire Fees:
  Domestic Incoming: $15.00
  Domestic Outgoing: $20.00
  Foreign Incoming: $40.00
  Foreign Outgoing: $50.00
  
• Monthly Image Fee:
  Front images only: $7.50
  Front and back images: $10.00
  
• Gift Card: $3.50
• Travel Cards: $6.50; Reload fee: $3.95
• Access Card: $6.50; Reload fee: $3.95
• Non customer check cashing (on us checks only): $5.00
• Foreign check fee: $5.00
• Non customer coin counter 10% of total coin count: $3.00 minimum
• Customer Currency Fees:
  Currency in: No Fee
  Coin in: No Fee
  Currency Out: No Fee
  Coin Out: $.05 per roll
• Non-Customer Currency Fees:
  Currency Out: $.25 per strap
  Coin Out: $.25 per roll
• Fees current as of 12/1/16