Interest Rates

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Certificates of Deposit

Term	Interest Rate	Annual Percentage Yield
91 Days	1.40%	1.41%
182 Days	1.60%	1.61%
9 Months - Let It Snow - Special	3.60%	3.65%
12 Months	1.90%	1.91%
15 Months	2.10%	2.12%
18 Months	2.35%	2.37%
21 Months - Special	3.70%	3.75%
24 Months	2.72%	2.75%
30 Months	2.87%	2.90%
36 Months	3.21%	3.25%
48 Month Exchange - Special	4.18%	4.25%

Interest rates and annual percentage yields are effective 11/18/08 - 11/24/08. An interest penalty will be imposed for early withdrawal. Minimum balance to open an account is $500.

Fixed-Rate IRAs

Term	Interest Rate	Annual Percentage Yield
9 Months - Let It Snow - Special	3.60%	3.65%
12 Months	1.90%	1.91%
15 Months	2.10%	2.12%
18 Months	2.35%	2.37%
21 Months - Special	3.70%	3.75%
24 Months	2.72%	2.75%
30 Months	2.87%	2.90%
36 Months	3.21%	3.25%
48 Month Exchange - Special	4.18%	4.25%

Interest rates and annual percentage yields are effective 11/18/08 - 11/24/08. An interest penalty will be imposed for early withdrawal. Minimum balance to open an account is $25.

Variable IRAs & Health Savings Accounts

Term	Interest Rate	Annual Percentage Yield
Variable	2.96%	3.00%

Interest rates and annual percentage yields are effective 11/01/08 - 11/30/08. Variable IRAs are renewals only. An interest penalty will be imposed for early withdrawal (IRAs only). Minimum balance to open a Health Savings Account is $25.

Money Market Investment Account

Balance	Interest Rate	Annual Percentage Yield
$100,000 and up	1.15%	1.16%
$50,000 - $99,999.99	0.85%	0.85%
$10,000 - $49,999.99	0.70%	0.70%
$2,500 - $9,999.99	0.55%	0.55%
$.01 - $2,499.99	0.40%	0.40%

Interest rates and annual percentage yields are effective 11/01/08 - 11/30/08. Rates may change after the account is opened. Minimum balance to open an account is $100. Fees may reduce earnings.

Interest-Bearing (NOW) Checking Account

Balance	Interest Rate	Annual Percentage Yield
$25,000 and up	0.60%	0.60%
$2,500 - $24,999.99	0.50%	0.50%
$500 - $2,499.99	0.40%	0.40%
$.01 - $499.99	0.25%	0.25%

Interest rates and annual percentage yields are effective 11/01/08 - 11/30/08. Rates may change after the account is opened. Minimum balance to open an account is $100. Fees may reduce earnings.

Savings Account

Balance	Interest Rate	Annual Percentage Yield
$1 +	0.50%	0.50%

Interest rates and annual percentage yields are effective 11/01/08 - 11/30/08. Rates may change after the account is opened. Minimum balance to open an account is $100. Fees may reduce earnings.

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The Cattle National Bank & Trust Co. - Seward, NE. Member FDIC. If you would like to open an account with us or have additional questions please call (402) 643-3636

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