The Gratz National Bank in Gratz Pennsylvania

Services


	Savings Statement Savings Account Club Accounts Variable Rate IRA Fixed Rate Premium IRA CD Read more...


	Checking Regular Checking Account Pay As You Go Checking Account Now Account Super Now Account Tiered Checking Account Read more...


	Loans Mortgages Home Equity Programs Home Equity Line of Credit Farm Loans Small Business Loans Auto Loans Personal Loans Overdraft Protection Read more...


	Other Services Safe Deposit Boxes Notary Services Night Depository Cashiers Checks Internet Banking Check Reorder Bank by Mail ATM/Debit Cards Telephone Banking Read more...

Rates

TYPE	RATE	APY (Annual Percentage Yield)
Statement Savings Account	0.49%	0.50% APY
Payment Book Club Accounts	0.75%	0.75% APY
Automatic Club Accounts	1.00%	1.00% APY
Variable Rate IRA Savings Account **	.85%	.85% APY
Fixed Rate Premium IRA Certificate of Deposit **	Minimum balance $500.00	See COD Rates Below

* Must maintain a min balance of $100.00 to avoid fees
** Penalties for withdrawals before maturity may apply Minimum opening deposit is $25.00
Fees could reduce earnings

Fixed Rate Premium IRA and Regular Certificates of Deposit**
TERM	RATE	APY (Annual Percentage Yield)
6 Month	.30%	.30%
12 Month	.45%	.45%
18 Month	.50%	.50%
24 Month	.65%	.65%
30 Month	.70%	.70%
36 Month	.85%	.85%
48 Month	1.10%	1.10%
5 Years	1.54%	1.55%
6-10 Years	1.64%	1.65%

** Penalties for withdrawals before maturity may apply
All CDs Required Minimum $500.00

Account Type	Balance Information
Regular Checking Account	Minimum balance to avoid fees - $200.00
Pay As You Go Checking Account	Fees: 0.15 per check paid
Now Account	Minimum balance to avoid fees and obtain the APY - $700.00
Super Now Account	Minimum balance to avoid fees and obtain the APY - $700.00
Tiered Checking Account	Minimum balance to avoid fees and obtain the APY - $700.00

All interest bearing transaction account rates are 0.10% with an Annual Percentage Yield (APY)* of 0.10%
Minimum opening deposit is $25.00
Interest Rates Subject to change without notice.
* Fees could reduce earnings

Annual percentage yield is effective through:

02/07/2012

The Gratz National Bank makes every attempt to keep posted rates current, however, rates are subject to change at any time without prior notice. For the most accurate rate information, please call our office at (717) 365-3181 Main Office or (570) 682-8888 Tri-Valley Office or (570)-758-1500 Herndon Office.