current rates and annual percentage yields

Effective as of July 19, 2010
Please contact a personal banker about our preferred 
pricing for Lake Elmo Bank customers at 651.777.8365.
Savings Certificates/IRAs (Interest Compounded Quarterly) 
Amount
Term
Interest
Rate  
APY  
$1,000 Minimum - $24,999 3 months .15% .15%
6 months .30% .30%
12 months .70% .70%
18 months  .90% .90%
24 months 1.15% 1.16%
30 months 1.34% 1.35%
36 months 1.44% 1.45%
48 months 1.65% 1.66%
60 months 2.35% 2.37%
$25,000 Minimum & Over 3 months .25% .25%
6 months .40% .40%
12 months    .80% .80%
18 months 1.00% 1.00%
24 months 1.25% 1.26%
30 months 1.44% 1.45%
36 months 1.54% 1.55%
48 months 1.75% 1.76%
60 months 2.45% 2.47%
       
 
Add-vantage CD (Interest Credited at Maturity) 
Type Amount Interest
Rate  
APY  
9 Month CD $1,000 Minimum - $24,999 .38% .38%
$25,000 & Over .48% .48%
       
Specials
Type Amount Interest
Rate  
APY  
24 Month Step-Up CD* $1,000 Minimum - $24,999 .96% .96%
$25,000 & Over 1.06% 1.06%
       
Rates are subject to change and early withdrawal penalties may apply.  Fees may reduce earnings. Please see account disclosure for individual charges and fees.
Substantial penalty for early withdrawal.
Equivalent of 3 months interest loss on CDs 3 months through 11 months.
Equivalent of 6 months interest loss on CDs 12 months and over.
*New Certificates of Deposit have a one-time Step-Up feature during the original term.

A minimum of $100 is required to open all checking and savings accounts unless stated otherwise.
Savings/Money Markets
(Interest Compounded Monthly or Quarterly using an accrual basis of 365 for each day in the year) 
Type Amount Interest
Rate  
APY  
Money Market Savings (Compounded Monthly)      
$1,000 Daily Minimum balance4
     
  $500,000.00 +   .90%  .90%
$100,000.00 + .85% .85%
$99,999.99 - $50,000.00 .60% .60%
$49,999.99 - $25,000.00 .45% .45%
$24,999.99 - $10,000.00 .35% .35%
$1,000.00 - $9,999.99
.25%
.25%
  Up to  $999.99
.20%
.20%
Traditional, Youth & Custodial Savings1(Compounded Quarterly)
$200 Daily Minimum balance4
All Balances .20% .20%
Christmas Club (Compounded Quarterly)
No minimum to open 
All Balances .20% .20%
Thrift Savings (Compounded Quarterly)
$50 minimum opening deposit
$50 minimum average ledger balance4
$100.00 + .10% .10%
       
*Minimum balance and minimum opening deposit waived for children until the age of 18. On the minor's 18th birthday, this account automatically becomes subject to the monthly service fees of the Traditional Savings account.
Interest Bearing Checking
(Interest Compounded Monthly using an accrual basis of 365 for each day in the year)
Type Amount Interest
Rate  
APY  
Integrity
$25,000 Average Ledger Balance2
$25,000.00+ 0.39% 0.39%
$.01 - $24,999.99 .15% .15%
Relationship
$5,000 Combined Deposits4
All Balances .15% .15%
Interest
$500  Daily Minimum Balance4
All Balances .10% .10%
Benefit
No minimum to open 
No minimum Balance3 
All Balances .10% .10%
       
       
Health Savings Account (H.S.A.)5
No Minimum to open
$250 daily minimum Balance4   
     
  $500,000.00 + .85% .85%
$100,000.00 - $499,999.00 .85% .85%
$50,000.00 - $99,999.99 .85% .85%
$25,000.00 - $49,999.99 .85% .85%
$10,000.00 - $24,999.99 .50% .50%
$1,000.00 - $9,999.99
.25%
.25%
  Up to  $999.99
.00%
.00%
 
1.  Minimum balance and minimum opening deposit waived for the children until the age of 18.  On the minor's 18th birthday, this account automatically subject to the monthly service fees of the Traditional Savings account.
2.  If average balance is not maintained, account will be reclassified and you will be notified with appropriate disclosure and effective date.
3.  Available to employees of qualified business customers.
4.  To avoid below balance monthly charge.
5. Available to individuals with qualified High Deductible Health Plan (HDHP).

Fees may reduce earnings.  Rates may change after the account is opened.  Please see account disclosure for individual charges and fees.

 current loan rates and annual percentage rates
Effective as of July 19, 2010
Automobiles - Trucks1,2  (Down payment of  20% may be required)
Model Year
Term
Interest
Rate
  
APR    
Payment 
2010 - 2009 (New) 36 months 5.55%
5.722%
$302.96
2010 - 2009 (New) 60 months 6.15%
6.258%
$194.53
2009 - 2007 (Used) 48 months 6.45% 6.582% $237.53
2006 - 2003 (Used) 36 months 6.75% 6.923% $308.42
2002- 2000 (Used) 24 months 10.95% 11.209% $467.05
         
 
Motorcycles1,2 (Down payment of  30% may be required) 
Model Year
Term
Interest
Rate
  
APR    
Payment 
2010 - 2009 (New) 48 months 9.25% 9.395% $250.73
2009 - Older (Used) 36 months 9.75% 9.936% $322.37
 
Snowmobile - ATV Loans1,2(Down payment of  30% may be required) 
Model Year
Term
Interest
Rate
  
APR    
Payment 
2010 - 2009 (New) 36 months 9.75% 9.94% $322.39
2009 - Older (Used) 24 months 10.25% 10.528% $463.89
 
Boats (27' or less), Motors, Trailers1,2 (Down payment of  25% may be required)
Model Year
Term
Interest
Rate
  
APR    
Payment 
2010 - 2009 (New) 48 months 9.55% 9.698% $252.18
2009 - Older (Used) 36 months 10.55% 10.743% $326.17
1 Requires a Lake Elmo Bank checking account or automatic payment form a Lake Elmo Bank account.  Normal credit qualifications and some additional restrictions apply.  Monthly payment based on a $10,000 loan plus a $25.00 processing fee. Other rates and terms available, contact a personal banker at 651-777-8365.
2 All loans subject to credit approval.
Home Equity Installment Loan2,3,4
Term
Interest
Rate
APR
Payment
5 years 6.70% 6.804% $197.09
10 years 7.20% 7.259% $117.45
5 yr/20 yr amortization 7.20% 7.236% $78.95
10 yr/20 yr amortization 7.70% 7.736% $82.01
 
Home Equity Line of Credit2
Product
Interest
Rate
Maximum APR
10 year variable5
Prime + 1.50% variable 12.95%
     
2 All loans subject to credit approval.
Requires a Lake Elmo Bank checking account or automatic payment from a Lake Elmo Bank account.  Monthly payment based on a $10,000 loan.
No closing costs for loans of $100,000 or less.  Rates and closing costs based on 80% loan-to-value (LTV) or less.  Insurance may be required.  For assistance in calculating your LTV please contact a personal banker.  Other rates and terms may be available.
5
  No closing costs for loans of $50,000 or less.  Insurance may be required.  Rates and closing costs based on 80% loan-to-value (LTV) or less.  Rate is a variable rate based on Wall Street Prime Rate, with a maximum APR of 12.95% and minimum APR of 4.50%.  The current rate is the minimum APR of 4.50%.  R
ate is subject to change.  For assistance in calculating your LTV please contact a personal banker.
 
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