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Rates

North Valley Bank Rates

North Valley Bank

North Valley Bank Schedule of Fees & Charges

Schedule of Fees & Charges

North Valley Bank Rates

North Valley Bank Time Deposit Rates Date: February 1, 2012
Deposit Amount	Interest Rate	APY*	Basis	Compound Frequency
FIXED RATE TIME DEPOSIT
Minimum $100,000 to open account and obtain APY (1)
30 thru 59 days	0.20%	0.20%	365	Daily
60 thru 89 days	0.20%	0.20%	365	Daily
90 thru 179 days	0.25%	0.25%	365	Daily
180 thru 364 days	0.35%	0.35%	365	Daily
1 year	0.45%	0.45%	365	Daily
18 month	0.45%	0.45%	365	Daily
2 year	0.50%	0.50%	365	Daily
3 year	0.60%	0.60%	365	Daily
4 year	0.80%	0.80%	365	Daily
Minimum $10,000 to open account and obtain APY (1)
30 thru 59 days	0.15%	0.15%	365	Daily
60 thru 89 days	0.15%	0.15%	365	Daily
90 thru 179 days	0.20%	0.20%	365	Daily
180 thru 364 days	0.30%	0.30%	365	Daily
1 year	0.40%	0.40%	365	Daily
18 month	0.40%	0.40%	365	Daily
2 year	0.45%	0.45%	365	Daily
3 year	0.55%	0.55%	365	Daily
4 year	0.75%	0.75%	365	Daily
Minimum $500 to open account and obtain APY (1)
30 thru 59 days	0.15%	0.15%	365	Daily
60 thru 89 days	0.15%	0.15%	365	Daily
90 thru 179 days	0.20%	0.20%	365	Daily
180 thru 364 days	0.30%	0.30%	365	Daily
1 year	0.40%	0.40%	365	Daily
18 month	0.40%	0.40%	365	Daily
2 year	0.45%	0.45%	365	Daily
3 year	0.55%	0.55%	365	Daily
4 year	0.75%	0.75%	365	Daily
VARIABLE RATE TIME DEPOSIT (1) (2) (3)
Minimum $100 to open account and obtain APY, 1 year term	0.40%	0.40%	365	Daily
INDIVIDUAL RETIREMENT ACCOUNTS Select any one of our time deposit plans in which to invest your INDIVIDUAL RETIREMENT ACCOUNTS. (1) A penalty may be imposed for early withdrawl. (2) The interest rate and annual percentage yield may change. (3) At our discretion we may change the interest rate daily. Annual Percentage Yields (APY) as of: February 1, 2012 APY = Annual Percentage Yield For more information please call 1-866-869-MORE (6673) return to top*

SAVINGS/MONEY MARKET ACCOUNTS

North Valley Bank Weekly Rate Sheet Date: February 1, 2012
Product	Tiers	Rate	*APY
CHECKING PLANS (a) (b) (c)
50+ INTEREST CHECKING	n/a	0.05%	0.05%
MEMBERSHIP BANKING	n/a	0.05%	0.05%
SIMPLE INTEREST BUSINESS	n/a	0.05%	0.05%
BUSINESS INTEREST CHECKING	$0 - $4,999	0.00%	0.00%
	$5,000 - $9,999	0.02%	0.02%
	$10,000 - $24,999	0.02%	0.02%
	$25,000 - $49,999	0.05%	0.05%
	$50,000 - $99,999	0.05%	0.05%
	$100,000 +	0.10%	0.10%
INTEREST CHECKING	$0 - $2,500.99	0.05%	0.05%
	$2,501 - $24,999.99	0.10%	0.10%
	$25,000 - $999,999.99	0.20%	0.20%
SAVINGS/MONEY MARKET ACCOUNTS
REGULAR AND BUSINESS SAVINGS (a) (b) (c)	n/a	0.07%	0.07%
SMARTSAVERS (b)	n/a	0.07%	0.07%
HOLIDAY SAVINGS (a) (b)	n/a	0.30%	0.30%
WALL STREET MONEY MARKET(a)(b)	Below $25,000	0.10%	0.10%
Minimum opening deposit $1,500	$25,000 - $49,999.99	0.15%	0.15%
	$50,000 - $99,999.99	0.25%	0.25%
	$100,000 - $249,999.99	0.35%	0.35%
	$250,000 - $499,999.99	0.40%	0.40%
	$500,000 - $999,999.99	0.40%	0.40%
HEALTH SAVINGS ACCOUNT (a) (b) (c)	$1 - $1,000.99	0.25%	0.25%
	$1,001 - $5,000.99	0.30%	0.30%
	$5,001 +	0.30%	0.30%
(a) Fees could reduce earnings (b) Interest rate and annual percentage yield may change (c) Minimum opening deposit $50.00 Annual Percentage Yields (APY) as of: February 1, 2012 APY = Annual Percentage Yield For more information please call 1-866-869-MORE (6673) PRIOR APPROVAL FROM ADMINISTRATION IS REQUIRED FOR ANY ACCOUNT OPENED UNDER THE FOLLOWING PARAMETERS:* ROLLOVER OR ACCEPTANCE OF PUBLIC DEPOSITS. ROLLOVER OR ACCEPTANCE OF DEPOSITS FROM ANY FINANCIAL INSTITUTION. ACCEPTANCE OF DEPOSITS OVER $200,000. return to top

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