Rates

KY-024

Hyden Citizens Bank, Inc.
Effective Date of the Rates Listed below is 4/28/2008

Rates are SUBJECT to change WITHOUT notice

- - Rate APY
Interest Plus (variable rate) DDA 0.50% 0.50%
Money Market Checking          
• Less than $9,999.99
MMDA 1.25 1.26
• $10,000 to $24,999.99
MMDA 1.50 1.51
• $25,000 to $99,999.99
MMDA 1.75 1.77
* $100,000 & above
MMDA 2.00 2.02
Passbook Savings (var) SAV 0.75 0.75
Vacation Club SAV 0.65 0.65
Christmas Club SAV 0.65 0.65

CD's - Rate APY
91 day CD 1.25 1.26
182 day CD 1.75 1.76
12 month CD 2.15 2.17
18 month CD 2.15 2.17
24 month CD 2.25 2.27
30 month CD 2.25 2.27
36 month CD 2.35 2.37
48 month CD 2.35 2.37
60 month CD 2.35 2.37

IRA's - Rate APY
12 month Variable Rate--(based on 12-month T-Bill rate, can change daily) IRA 1.67 1.68
18 month Fixed Rate IRA 2.25 2.27
36 month Fixed Rate IRA 2.35 2.37

Member FDIC

Rates are subject to change--please call us for current rates