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The standard insurance amount of $250,000 per depositor is in effect through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor.

Rates

Consumer Deposit Rates | Business Deposit Rates

MidCoast Community Bank
Consumer Deposit Rates as of September 2, 2010

Checking Accounts
Account Type Interest Rate is: Minimum to Open Annual Percentage Yield* Interest Rate
Gold Interest Checking: Variable $500
$.00 to $999.99 0.10% 0.0999%
$1,000.00 to $2,499.99 0.40% 0.3992%
$2,500.00 and above 1.00% 0.9951%
Free Consumer Checking n/a $50 n/a n/a

Savings Accounts
Account Type Interest Rate is: Minimum to Open Annual Percentage Yield* Interest Rate
Statement Savings Variable $50 0.50% 0.4988%
Advantage Statement Savings Variable $1,000 0.50% 0.4988%
Holiday Club Variable $10 0.50% 0.4988%
IRA Statement Savings Variable $10 0.50% 0.4988%

Money Market Accounts
Account Type Interest Rate is: Minimum to Open Annual Percentage Yield* Interest Rate
Gold Money Market Account Variable $1,000
$.00 to $2,499.99 0.20% 0.1998%
$2,500.00 to $7,499.99 0.65% 0.6479%
$7,500.00 and above 0.75% 0.7472%

Certificate of Deposits
Account Type Interest Rate is: Minimum to Open Annual Percentage Yield* Interest Rate
3 Month CD Fixed $500 0.50% 0.4988%
6 Month CD Fixed $500 1.31% 1.3015%
7 Month CD Fixed $500 1.31% 1.3015%
8 Month CD Fixed $500 1.31% 1.3015%
9 Month CD Fixed $500 1.31% 1.3015%
10 Month CD Fixed $500 1.31% 1.3015%
11 Month CD Fixed $500 1.31% 1.3015%
12 Month CD Fixed $500 1.31% 1.3015%
13 Month CD Fixed $500 1.00% 0.9951%
15 Month CD Fixed $500 1.00% 0.9951%
18 Month CD Fixed $500 1.00% 0.9951%
24 Month CD Fixed $500 1.20% 1.1929%
30 Month CD Fixed $500 1.40% 1.3903%
36 Month CD Fixed $500 1.95% 1.9313%
42 Month CD Fixed $500 2.00% 1.9803%
48 Month CD Fixed $500 2.35% 2.3229%
60 Month CD Fixed $500 2.50% 2.4693%
Interest is compounded daily and credited monthly on all accounts
Certificate of Deposit accounts have early withdrawal penalties
Minimum to Obtain APY on all accounts is $.01
APY may change at any time
*Fees may reduce earnings.

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MidCoast Community Bank
Business Deposit Rates as of September 2, 2010

Checking Accounts
Account Type Interest Rate is: Minimum to Open Annual Percentage Yield Interest Rate
Free Business Checking n/a $500 n/a n/a


Savings Accounts
Account Type Interest Rate is: Minimum to Open Annual Percentage Yield* Interest Rate
Statement Savings Variable $50 0.50% 0.4988%


Money Market Accounts
Account Type Interest Rate is: Minimum to Open Annual Percentage Yield* Interest Rate
Gold Money Market Account (Business) Variable $1,000
$.00 to $2,499.99 0.20% 0.1998%
$2,500.00 to $7,499.99 0.65% 0.6479%
$7,500.00 and above 0.75% 0.7472%


Certificate of Deposits
Account Type Interest Rate is: Minimum to Open Annual Percentage Yield* Interest Rate
3 Month CD Fixed $500 0.50% 0.4988%
6 Month CD Fixed $500 1.31% 1.3015%
7 Month CD Fixed $500 1.31% 1.3015%
8 Month CD Fixed $500 1.31% 1.3015%
9 Month CD Fixed $500 1.31% 1.3015%
10 Month CD Fixed $500 1.31% 1.3015%
11 Month CD Fixed $500 1.31% 1.3015%
12 Month CD Fixed $500 1.31% 1.3015%
13 Month CD Fixed $500 1.00% 0.9951%
15 Month CD Fixed $500 1.00% 0.9951%
18 Month CD Fixed $500 1.00% 0.9951%
24 Month CD Fixed $500 1.20% 1.1929%
30 Month CD Fixed $500 1.40% 1.3903%
36 Month CD Fixed $500 1.95% 1.9313%
42 Month CD Fixed $500 2.00% 1.9803%
48 Month CD Fixed $500 2.35% 2.3229%
60 Months CD Fixed $500 2.50% 2.4693%
Interest is compounded daily and credited monthly on all accounts
Certificate of Deposit accounts have early withdrawal penalties
Minimum to Obtain APY on all accounts is $.01
APY may change at any time
*Fees may reduce earnings. 

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