Welcome to Citizens National Bank

INTEREST RATES AND ANNUAL PERCENTAGE YIELDS Current as of July 24, 2008. Call (218 732-3393) for any additional information.
ACCOUNT	MINIMUM BALANCE REQUIRED	INTEREST RATE	ANNUAL PERCENTAGE YIELD
3 Month CD	$100.00	1.15%	1.16%
3 Month CD	$1,000.00	2.55%	2.58%
6 Month CD	$1,000.00	2.65%	2.68%
9 Month CD	$500.00	2.65%	2.68%
12 Month CD	$500.00	2.90%	2.93%
18 Month CD	$500.00	2.95%	2.98%
24 Month CD	$500.00	3.00%	3.03%
30 Month CD	$500.00	3.05%	3.09%
Graduate CD*	$25.00	4.00%	4.00%
Traditional/Roth IRA*	-	3.50%	3.50%
Education IRA*	-	3.50%	3.50%
A penalty will be imposed for early withdrawal. * The interest rate and annual percentage yield may change after account opening. For current rate information call (218) 732-3393.


Statement & Christmas Savings Accounts	$10.00 *	1.05%	1.05%
Hometown Interest Checking Accounts	$1,000.00 **	.75%	.75%
Money Market Account	$1,000.00	1.50%	1.51%
The interest rate and annual percentage yield may change after account opening. * 12 free debits per quarter. 50¢ per additional withdrawal. Fee charged may affect the rate and annual percentage yield. ** If balance falls below $1,000.00 a $10.00 fee is charged. Fee charged may affect the rate and annual percentage yield. Fees could reduce the earnings on the account. Interest Rates and Annual Percentage Yields may change without notice. For current rate information call (218) 732-3393.

SECONDARY MARKET MORTGAGE RATES Conforming Programs based on a $125,000 Loan Amount Rates Effective as of July 24, 2008
TERM	Rate	**APR
40 -Year Fixed	6.625%	6.746%
30 -Year Fixed	6.375%	6.513%
20 -Year Fixed	6.375%	6.550%
15 -Year Fixed	5.875%	6.090%
10 -Year Fixed	5.875%	6.132%

JUMBO RATES based on a $417,000 Loan Amount
30 -Year Fixed	9.000%	9.134%

FIRST TIME HOME BUYER
(Maximum Purchase Price $237,031
30 -Year Fixed	6.250%	6.349%
** APR Annual Percentage Rate does not include closing cost 45,60 & 85 day lock available. RD, FHA, VA rates available upon request Rate dependent on credit score, property type and loan qualifications Rates are subject to change without notice.