Current Rates

Deposit Rates

Loan Rates

Certificates of Deposit Automobile Loans

Checking & Savings Accounts Home Equity Loans

Money Market Accounts Home Equity Lines of Credit

Health Savings Accounts
For additional deposit rate information,
contact our Customer Service Department Home Mortgage Loans
For additional loan rate information,
contact our Consumer Loan Department

Certificates of Deposit Interest Rates & Yields

(Rates are current as of March 4, 2010. Rates shown are not guaranteed and are subject to change without notice. For complete information on deposit accounts, including up-to-the minute rate and fee information, please consult a Midland National Bank Customer Service Representative)
Certificate Type & Term	Interest Rate	APY*	Min. Opening Deposit
7 Day CD	0.40%	0.40%	$10,000
8-89 Day CD	0.30%	0.30%	$500
90-181 Day CD	0.60%	0.60%	$500
6 Month CD	1.00%	1.00%	$500
12 Month CD	1.19%	1.20%	$500
14 Month Jump CD	1.19%	1.20%	$500
15 Month Jump CD	1.29%	1.30%	$500
18 Month Jump CD	1.49%	1.50%	$500
24 Month Jump CD	1.49%	1.50%	$500
36 Month Jump CD	1.99%	2.00%	$500
48 Month Jump CD	2.38%	2.40%	$500
60 Month CD	2.62%	2.65%	$500
APY = Annual Percentage Yield * A substantial penalty may be assessed on funds withdrawn prior to maturity. Fees may reduce earnings

Checking & Savings Accounts, Interest Rates & Yields

(Rates are current as of March 4, 2010. Rates shown are not guaranteed and are subject to change without notice. For complete information on deposit accounts, including up-to-the minute rate and fee information, please consult a Midland National Bank Customer Service Representative)
Account Type	Interest Rate	APY	Min. Opening Deposit
1st Rate Checking			$10,000
Average balance under $10,000	no interest	no interest
Average balance $10,000 - $99,999	0.40%#*	0.40%#*
Average Balance over $100,000	0.80%##*	0.80%##*
Regular savings	0.30%	0.30%*	$100
Health savings	2.00%	2.00%*	$100
Money Market			$1,000
Balance under $1,000	0.30%	0.30%*
$1,000 - 9,999	0.30%	0.30%*
$10,000-$49,999	0.40%	0.40%*
$50,000 - $99,999	0.70%	0.70%*
$100,000 - $249,999	0.80%	0.80%*
Balance over $250,000	0.90%	0.90%*
midland maximizer checking	0.15%	0.15%*	$100
silver eagle checking	0.15%	0.15%*	$100
business now checking	0.15%	0.15%*	$100
U.S. Treasury Bills
3 month T-Bill	0.125%
6 month T-Bill	0.185%
Annual Percentage Yield (APY) is accurate as of the dates shown above. * Rates may change after the account is open & fees could reduce the earnings on the account. # Rate shown will be paid on all balances of $10,000 thru $99,999. Should the average balance fall below $10,000 no interest will be earned for the period. ## Rate shown will be paid on all balances of $100,000 or higher. Should the average balance fall below $10,000 no interest will be earned for the period.

Automobile Loan Interest Rates

(Rates are current as of March 4, 2010. Rates shown are not guaranteed and are subject to change without notice.)
Vehicle Model Year:	Assumptions:	Interest Rate:	APR*	Loan Term
2009 - 2010		5.90%	6.15%	Up to 48 months
		6.15%	6.35%	Up to 60 months
	Vehicle value of $25,000+	6.90%	7.04%	Up to 72 months
2006 - 2008		6.40%	7.06%	Up to 36 months
		6.65%	7.15%	Up to 48 months
2004 - 2005		7.40%	8.06%	Up to 36 months
2003 & older		8.40%	9.35%	Up to 24 months
APR = Annual Percentage Rate Contract rate will be .25% lower if payments are automatically deducted each month from a Midland National Bank checking account Consumer non-Real Estate loan fee is 2% with a maximum fee of $100.00 * Disclosed APR's assume a $100.00 loan fee. Payment Example 1: A $20,000 loan at 6.15% would require 60 monthly payments of $390.07 Payment Example 2: A $10,000 loan at 6.65% would require 48 monthly payments of $240.27 Payment Example 3: A $10,000 loan at 8.40% would require 24 monthly payments of $248.56

Home Equity Loan Interest Rates

(Rates are current as of March 4, 2010. Rates shown are not guaranteed and are subject to change without notice.)
Loan term	Interest rate	APR*
60 Months (up to 80% loan-to-value)	6.40% Fixed Rate	6.82%
60 months (81% - 90% loan-to-value)	7.40% Fixed Rate (Your credit score may affect your rate)	7.83%
APR = Annual Percentage Rate *Disclosed APRs assume $10,000 loan with $100.00 origination fee. Payment Example: A $10,000 loan at 6.40% would require 60 monthly payments of $197.15. The payment does NOT include amounts for taxes and insurance premiums. If applicable, the actual payments will be greater.

Home Equity Line of Credit Interest Rates

(Rates are current as of March 4, 2010. Rates shown are not guaranteed and are subject to change without notice.)
Loan amount	Interest rate	APR*
80% or less of appraised value	Wall Street Journal Prime + 1% adjusted quarterly Rate Floor: Initial Rate	Quarterly, the rate will adjust to 1 point over Wall Street Journal Prime. Wall Street Journal Prime is now 3.25% (eff. 12/17/2008). If it does not change, the first rate adjustment would be to 4.25% APR. Rate floor: Initial Rate
81% - 90% of appraised value	Wall Street Journal Prime + 2% adjusted quarterly Rate Floor: Initial Rate (Your credit score may affect your rate)	Quarterly, the rate adjusts to 2 points over Wall Street Journal Prime. Wall Street Journal Prime is now 3.25% (eff. 12/17/2008). If it does not change, the first rate adjustment would be to 5.25% APR. Rate floor: Initial rate
APR = Annual Percentage Rate Maximum interest rate is 18% APR

Mortgage Loan Interest Rates

(Rates are as of March 5, 2010. Rates shown are not guaranteed and are subject to change without notice.)
Conventional fixed-Rate Mortgages ($80,000 - $417,000)	Interest rate	Origination Fee	Discount	APR
The rates quoted below are for first mortgage loans on single-family, owner occupied primary residential properties only. Rates offered are not guaranteed and are subject to change without notice. Terms may be locked-in, subject to a loan application and with final approval of credit and property. All loans are subject to minimum down payment, minimum credit scores, and maximum loan limits. Information on other loan programs, including Adjustable Rate and Jumbo Mortgages, Bridge, and Construction Loans, as well as rates for smaller loan amounts, are available upon request.
30 Year	5.000%	0.00	0.00	5.031%
30 year	4.750%	0.00	1.00	4.868%
30 Year	4.625%	0.00	2.00	4.831%
Example: Based on a 20% down payment with no origination fee, a $100,000 loan would require 360 monthly principal and interest payments of $536.82 at a Note rate of 5.000%. The resulting annual percentage rate is 5.031%. The payment does NOT include amounts for taxes and insurance premiums. If applicable, the actual payment will be greater.
15 Year	4.375%	0.00	0.00	4.427%
15 Year	4.250%	0.00	1.00	4.453%
15 Year	4.125%	0.00	2.00	4.479%
Example: Based on a 20% down payment with no origination fee, a $100,000 loan would require 180 monthly principal and interest payments of $758.62 at a Note rate of 4.375%. The resulting annual percentage rate is 4.427%. The payment does NOT include amounts for taxes and insurance premiums. If applicable, the actual payment will be greater.
Adjustable Rate Mortgage (ARM) Loans (all loan amounts)	Interest rate	Origination Fee	Discount	APR
3/3 arm* (30 year amortization)	5.500%	$300.00	0.00	5.532%
5/5 arm* (30 Year Amortization)	6.000%	$300.00	0.00	6.033%
3/3 Payment Example: Based on a 20% down payment with a $300.00 origination fee, a $100,000 loan would require 360 monthly principal and interest payments of $569.77 at a Note rate of 5.500%. The resulting annual percentage rate is 5.532%. The payment does NOT include amounts for taxes and insurance premiums. If applicable, the actual payment will be greater.
5/5 Payment Example: Based on a 20% down payment with a $300.00 origination fee, a $100,000 loan would require 360 monthly principal and interest payments of $601.66 at a Note rate of 6.000%. The resulting annual percentage rate is 6.033%. The payment does NOT include amounts for taxes and insurance premiums. If applicable, the actual payment will be greater.
APR = Annual Percentage Rate *The rate may increase after consummation

Rates often change several times per day. For a specific rate quote, please contact one of our Mortgage Lending Experts and let us give you the BEST AVAILABLE RATE!
Contact: Marcene Carstensen or Paul Suderman now for a rate quote!

Deposit Rates	Loan Rates
Certificates of Deposit	Automobile Loans
Checking & Savings Accounts	Home Equity Loans
Money Market Accounts	Home Equity Lines of Credit
Health Savings Accounts For additional deposit rate information, contact our Customer Service Department	Home Mortgage Loans For additional loan rate information, contact our Consumer Loan Department

Current Rates

Deposit Rates

Loan Rates