Important Message From the President

Current Rates
Effective Nov. 14, 2008

Performance Checking and Health Savings Account - Checking

Money Market Savings

FB MEMBER Money Market Savings

Health Savings Account - Money Market

Certificates of Deposit

CDARS®

CD Special

CDs with Step Up Option

Vehicle Loans

Farm Equipment Loans

Credit Cards

Residential Mortgage Loans



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Performance Checking and
Health Savings Account-Checking

       Get More Information        Disclosures
 Balance Interest Rate Annual
Percentage Yield*
 less than $2,500 0.00% 0.00%
 $2,500 - $9,999 1.70% 1.71%
 $10,000 and up 1.95% 1.97%
 with E-Option
 Balance Interest Rate Annual
Percentage Yield*
 less than $2,500 1.95% 1.97%
 $2,500 - $9,999 1.95% 1.97%
 $10,000 and up 1.95% 1.97%
Minimum Initial Deposit $100



Money Market Savings
       Get More Information        Disclosures
 Balance Interest Rate Annual
Percentage Yield*
 less than $2,500 1.75% 1.77%
 $2,500 - $24,999 2.05% 2.07%
 $25,000 - $49,999 2.15% 2.17%
 $50,000 and up 2.25% 2.28%
 with E-Option
 Balance Interest Rate Annual
Percentage Yield*
 less than $2,500 1.85% 1.87%
 $2,500 - $24,999 2.15% 2.17%
 $25,000 - $49,999 2.20% 2.22%
 $50,000 and up 2.30% 2.33%
Minimum Initial Deposit $100



FB MEMBER Money Market Savings
       Get More Information        Disclosures
 Balance Interest Rate Annual
Percentage Yield*
 less than $2,500 1.85% 1.87%
 $2,500 to $24,999 2.15% 2.17%
 $25,000 and up 2.50% 2.53%
Minimum Initial Deposit $25,000



Health Savings Account - Money Market Disclosures      
 Balance Interest Rate Annual
Percentage Yield*
 less than $2,500 1.75% 1.77%
 $2,500 - $9,999 2.05% 2.07%
 $10,000 and up 2.20% 2.22%
 with E-Option
 Balance Interest Rate Annual
Percentage Yield*
 less than $2,500 1.85% 1.87%
 $2,500 - $9,999 2.15% 2.17%
 $10,000 and up 2.30% 2.33%
See state FB for availability.



Certificates of Deposit
       Get More Information        Disclosures
 Balance Interest Rate Annual
Percentage Yield*
 3 Months 1.93% 1.95%
 6 Months 2.66% 2.70%
 1 Year 3.06% 3.11%
 18 Months 3.10% 3.15%
 2 Years 3.20% 3.25%
 3 Years 3.49% 3.55%
 4 Years 3.54% 3.60%
 5 Years 3.54% 3.60%
 Jumbo CD (Balance >= $50,000)
 Balance Interest Rate Annual
Percentage Yield*
 3 Months 2.03% 2.05%
 6 Months 2.76% 2.80%
 1 Year 3.16% 3.21%
 18 Months 3.20% 3.25%
 2 Years 3.30% 3.35%
 3 Years 3.59% 3.66%
 4 Years 3.64% 3.71%
 5 Years 3.64% 3.71%
Minimum Initial Deposit $1,000. CD Rates and Annual Percentage Yields valid for IRAs.


 Certificate of Deposit Account Registry Service® (CDARS)

Farm Bureau Bank offers CDARS as an easy and convenient way to enjoy full FDIC insurance for deposit amounts over $250,000. For more information click here or contact a Farm Bureau Bank Personal Banker at 800.492.3276
or email us.



CDs with Step Up Option
       Get More Information        Disclosures
If rates go up during the term of your CD, you can increase your rate!
 Balance Interest Rate Annual
Percentage Yield*
 1 Year 2.86% 2.90%
 18 Months 2.91% 2.95%
 2 Years 3.00% 3.05%
 3 Years 3.10% 3.15%
 4 Years 3.10% 3.15%
 5 Years 3.10% 3.15%
 Jumbo CD (Balance >= $50,000)
 Balance Interest Rate Annual
Percentage Yield*
 1 Year 2.96% 3.00%
 18 Months 3.00% 3.05%
 2 Years 3.10% 3.15%
 3 Years 3.20% 3.25%
 4 Years 3.20% 3.25%
 5 Years 3.20% 3.25%
Minimum Initial Deposit $1,000.



CD Special
       Get More Information        Disclosures
 Product Interest Rate Annual
Percentage Yield*
 7 Month CD 2.96% 3.00%
 10 Month CD 3.20% 3.25%
Minimum Initial Deposit $1,000. CD Rates and Annual Percentage Yields valid for IRAs.


Disclosures
*Annual Percentage Yield. Interest Rates and Yields shown are effective as of 11/14/2008. Deposit balances are FDIC insured up to $100,000 per depositor. For deposit accounts, interest is compounded daily and paid monthly. Fees could reduce earnings on the account. The Interest Rates and corresponding APYs may change at the bank's discretion.

FB MEMBER MMSA E-Option only, Minimum initial deposit of $25,000 must be new funds to Farm Bureau Bank. $250,000 maximum balance, no ATM cards or checks, $10 monthly service fee if balance less than $10,000. FB MEMBER MMSA APY for balances >= $25,000. FB MEMBER rate available to members only. Non-members receive the regular money market rates.

Minimum initial deposit for CDs is $1,000, Money market IRA is $250 and $100 for all other deposit accounts. Federal guidelines restrict withdrawals from Money Market Savings Accounts. Excess withdrawals incur a $5 transactions fee. There is a substantial penalty for early withdrawals from CDs. The interest rate paid on new CD accounts will be equal to the greater of (1) the interest rate that is in effect on the date a mailed application is postmarked or, (2) the interest rate that is in effect on the date the funds are received by the bank.

On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2009.

Funds may be submitted for placement only after a depositor enters into a CDARS agreement with us. The agreement contains important information and conditions regarding the placement of funds by us. CDARS (CD Account Registry Service) is a service mark of Promontory Interfinancial Network, LLC.



Consumer Automobile Loans
       Get More Information        Disclosures
SAVE TIME! Click here to apply online and receive these special Internet Rates!**
   Automobiles Model Years 2001 or newer
 Term $5,000 - $9,999 $10,000 - $15,999 $16,000 or more
 24 Months 6.04% 5.69% 4.79%
 36 Months 6.85% 6.50% 5.80%
 48 Months 7.04% 6.69% 5.99%
 60 Months 7.04% 6.69% 5.99%
 72 Months n/a n/a 6.39%
** Rates disclosed as Annual Percentage Rate (APR).  Some restrictions may apply based upon the year, make and model of vehicle offered as collateral. Loans subject to credit approval. Rates are accurate as of 11/14/2008. Rates shown are for loan applications submitted electronically through the Bank's website at www.farmbureaubank.com and includes a 1/2% discount for automatic payment deduction from a deposit account and is based on exceptional credit. Rates and financing are limited to consumer automobile model years 2001 or newer and are subject to change without notice. Rates for other collateral or other applications methods may vary. Please contact 1-800-492-FARM(3276) for additional information.



Farm Equipment Loans
       Get More Information        Disclosures
   Model Years 2007-2008  Model Years 1998-2006
 Term $5,000-
$9,999
$10,000-
$15,999
$16,000-
$24,999
$25,000
or more
$5,000-
$9,999
$10,000-
$15,999
$16,000-
$24,999
$25,000
or more
1-2 Years 6.59% 6.24% 5.84% 5.75% 7.09% 6.74% 6.44% 6.25%
 3 Years 7.39% 7.04% 6.14% 6.00% 7.89% 7.54% 6.64% 6.50%
 4 Years 7.75% 7.40% 6.50% 6.25% 8.25% 7.90% 7.00% 6.75%
 5 Years 7.75% 7.40% 6.50% 6.50% 8.25% 7.90% 7.00% 7.00%
 6 Years n/a n/a 6.59% 6.50% n/a n/a n/a n/a
 7 Years n/a n/a n/a 6.75% n/a n/a n/a n/a
** Rates disclosed as Annual Percentage Rate (APR).  Some restrictions may apply based upon the make and model of equipment offered as collateral. Rates are based on exceptional credit. Loans subject to credit approval. Rates are accurate as of 11/14/2008. Rates and financing are limited to farm equipment model years 1998 or newer and are subject to change without notice. Please contact 1-800-492-FARM(3276) for additional information.



Credit Cards
 
Farm Bureau Bank Platinum
MasterCard
® 1

Apply Now for Farm Bureau Bank Platinum MasterCard

Farm Bureau Bank World
MasterCard
® 1

Apply Now for Farm Bureau Bank World MasterCard

Farm Bureau Bank Premier
Business Visa
® 1

Apply Now for Farm Bureau Bank Business Visa Credit Card

Fixed
Introductory APR*



0% for 12 months on balance transfers

0% for 12 months on balance transfers

0% for 3 months on    purchases and   
balance transfers

Purchase APR*

As low as 5.99% As low as 6.99% As low as 4.00%

Rewards

None
World MasterCard Rewards


Business Member Rewards


Annual Fee

None None None

Other cost
information


Terms and
Conditions
Terms and
Conditions
Terms and
Conditions

* Rates disclosed as Annual Percentage Rate (APR)
1 Please click on the Terms and Conditions link for additional information of this card.





Residential Mortgage Loans
         More Info
 
 
      To check residential mortgage rates click here.




Member FDIC Equal Housing Lender