Highlands Union Bank

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HUB Rates

Account Type	Interest Rate	APY*
6 month CD	0.30%	0.30%
12 month CD	0.35%	0.35%
24 month CD	0.60%	0.60%
36 month CD	0.80%	0.80%
48 month CD	0.95%	0.95%
60 month CD	1.00%	1.00%

* Rates shown are for amounts less than $100,000.00 and are applicable in the Southwest Virginia, Upper East Tennessee and Western North Carolina areas only. * Annual Percentage Yields are subject to change daily without notice to customers. The annual percentage yield (APY) is based upon the simple interest method. Substantial interest penalties apply for early withdrawal. Minimum amount to open the account is $500.00.

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FDIC’s TEMPORARY INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
In accordance with the Dodd-Frank Wall Street Reform and Consumer Protection Act, from December 31, 2010, through December 31, 2012, all funds in “noninterest-bearing transaction accounts” are insured in full by the Federal Deposit Insurance Corporation. This unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account (or demand deposit account) on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

For more information go to www.fdic.gov.