Rates

Effective February 3, 2012 through February 9, 2012
Interest rates may change at any time at the bank's discretion

CHECKING ACCOUNTS
Consumer Accounts	Interest Rate	Annual Percentage Yield	Balance Ranges	Compounding Method
Community Interest and Prestige Checking	0.05%	0.05%	$0 - $9,999	Daily
	0.10%	0.10%	$10,000 - $19,999	Daily
	0.15%	0.15%	$20,000 and over	Daily
Community Premier Checking	0.15%	0.15%	$0 - $9,999	Daily
	0.15%	0.15%	$10,000 - $24,999	Daily
	0.25%	0.25%	$25,000 - $49,999	Daily
	0.45%	0.45%	$50,000 and over	Daily
Health Savings Account	0.25%	0.25%		Daily
Business Accounts	Interest Rate	Annual Percentage Yield	Balance Ranges	Compounding Method
Community Business Interest Checking	0.05%	0.05%	$0 - $9,999	Daily
	0.10%	0.10%	$10,000 - $19,999	Daily
	0.15%	0.15%	$20,000 and over	Daily
IOLTA / IOTA Interest Checking	0.05%	0.05%	$0 - $9,999	Daily
	0.10%	0.10%	$10,000 - $19,999	Daily
	0.15%	0.15%	$20,000 - $49,999	Daily
	0.60%	0.60%	$50,000 & over	Daily

SAVINGS ACCOUNTS
Consumer Accounts	Interest Rate	Annual Percentage Yield	Balance Ranges	Compounding Method
Community Passbook Savings	0.15%	0.15%		Daily
Community Statement Savings	0.15%	0.15%		Daily
Community Index Account	0.15%	0.15%	$0 - $9,999	Daily
	0.15%	0.15%	$10,000 - $24,999	Daily
	0.30%	0.30%	$25,000 - $49,999	Daily
	0.50%	0.50%	$50,000 - $99,999	Daily
	0.60%	0.60%	$100,000 and over	Daily
Business Accounts	Interest Rate	Annual Percentage Yield	Balance Ranges	Compounding Method
Community Business Statement Savings	0.15%	0.15%		Daily
Community Business Index Account	0.15%	0.15%	$0 - $9,999	Daily
	0.15%	0.15%	$10,000 - $24,999	Daily
	0.30%	0.30%	$25,000 - $49,999	Daily
	0.50%	0.50%	$50,000 - $99,999	Daily
	0.60%	0.60%	$100,000 and over	Daily
Community Public Fund Index Account	0.05%	0.05%	$0 - $9,999	Daily
	0.10%	0.10%	$10,000 - $24,999	Daily
	0.20%	0.20%	$25,000 - $49,999	Daily
	0.20%	0.20%	$50,000 - $99,999	Daily
	0.20%	0.20%	$100,000 - $499,999	Daily
	0.20%	0.20%	$500,000 & over	Daily

Specials $1,000 Minimum deposit
Consumer Accounts	Interest Rate	Annual Percentage Yield	Compounding Method



Certificates of Deposit $1,000 Minimum Deposit
Consumer & Business Accounts	Interest Rate	Annual Percentage Yield	Compounding Method
30 - 89 Days	0.10%	0.10%	Daily
90 - 179 Days	0.20%	0.20%	Daily
180 - 364 Days	0.30%	0.30%	Daily
12 - 23 Months	0.50%	0.50%	Daily
24 - 35 Months	0.70%	0.70%	Daily
36 - 47 Months	0.90%	0.90%	Daily
48 - 59 Months	1.19%	1.20%	Daily
60 Months	1.59%	1.60%	Daily
84 Months	1.98%	2.00%	Daily
Penalty for Early Withdrawal
Individual Retirement Accounts $1,000 Minimum Deposit
Consumer Accounts	Interest Rate	Annual Percentage Yield	Compounding Method
9 Months	0.30%	0.30%	Daily
12 - 23 Months	0.50%	0.50%	Daily
24 - 35 Months	0.70%	0.70%	Daily
36 - 47 Months	0.90%	0.90%	Daily
48 - 59 Months	1.19%	1.20%	Daily
60 - Months	1.59%	1.60%	Daily
Penalty for Early Withdrawal

Consumer Accounts	Interest Rate	Annual Percentage Yield	Compounding Method
Community Savings IRA	0.25%	0.25%	Daily

Annual Percentage Yield is based upon the maximum term of deposit for each maturity range.
A withdrawal will reduce earnings.

A COPY OF THE "PORTAGE COMMUNITY BANK RULES AND REGULATIONS" IS AVAILABLE UPON REQUEST
* For Business CDs and CDs of $100,000 or more terms range from 14 days to 5 years (For consumer CDs under $100,000 - minimum is 30 days).
> Denotes rate change from previous week.
Maintenance or activity fees could reduce earnings on the account. Variable Interest Rates subject to change.
THERE IS A PENALTY REQUIRED FOR EARLY WITHDRAWAL OF CDs AND IRAs.

JUMBO CERTIFICATES OF DEPOSIT $100,000 Minimum Deposit
	Public Funds Interest Rate #	Annual Percentage Yield	Business/Consumer Interest Rate *	Annual Percentage Yield
14 - 29 Days	0.05%	0.05%	0.05%	0.05%
30 - 59 Days	0.05%	0.05%	0.05%	0.05%
60 - 89 Days	0.05%	0.05%	0.05%	0.05%
90 - 119 Days	0.10%	0.10%	0.10%	0.10%
120 - 149 Days	0.15%	0.15%	0.15%	0.15%
150 - 179 Days	0.15%	0.15%	0.15%	0.15%
180 - 269 Days	0.25%	0.25%	0.25%	0.25%
270 - 364 Days	0.30%	0.30%	0.30%	0.30%
12 - 23 Months	0.30%	0.30%	0.30%	0.30%
24 - 35 Months	0.50%	0.50%	0.50%	0.50%
36 - 47 Months	0.70%	0.70%	0.70%	0.70%
48 - 59 Months	1.10%	1.10%	1.09%	1.10%
60 Months	1.30%	1.30%	1.29%	1.30%
Penalty for Early Withdrawal
CDARS - ask for terms and yields
* Consumer & Business interest rates are compounded daily - 365 day basis. Consumer, Business, and Public Fund Jumbo CD's are not auto-renewable. # Public Fund rates are simple interest based on a 360 day year with only the principal being renewed. CD's of $100,000 or more, interest rates may change daily. For more information about CD's $100,000 or more, call (330)296-8090.