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Deposit Accounts

Current Rates On Interest Bearing Accounts

Certificates of Deposit

Interest Rate	APY*	Term	Minimum Balance to Obtain APY
0.30%	0.30%	91 Days	$2,500.00
0.50%	0.50%	182 Days	$1,000.00
0.80%	0.80%	1 Year	$1,000.00
1.25%	1.26%	2 Years	$500.00
1.55%	1.56%	3 Years	$500.00
2.15%	2.17%	5 Years	$500.00

A Penalty May Be Imposed For Early Withdrawal.

Money Market Checking (NOW)

Variable Interest Rate 0.30%

APY*: 0.30%

Minimum Daily Balance to Obtain APY: $1,000

Money Market Savings

Variable Interest Rate: 0.55%

APY*: 0.55%

Minimum Daily Balance to Obtain APY: $2,500.00

Passbook Savings

Variable Interest Rate 0.30%

APY*: 0.30%

Requires $50.00 Deposit to Open Account - Minimum Balance To Avoid Service Charge: $50.00

IRA'S

Interest Rate	APY*	Account Type	Minimum Deposit
0.30%	0.30%	Variable Rate IRA	$500.00
0.80%	0.80%	1 Year Fixed Rate IRA	$500.00
1.25%	1.25%	2 Year Fixed Rate IRA	$500.00
1.55%	1.55%	3 Year Fixed Rate IRA	$500.00
2.15%	2.15%	5 Year Fixed Rate IRA	$500.00

A penalty may be imposed for early withdrawal on fixed rate IRA accounts.

Non-Interest Bearing Accounts

Standard Checking

Check Images are Returned with Statement

Minimum Daily Balance to Avoid Service Charge: $200.00

$200.00 Minimum Deposit Required to Open Account

Pay Less Checking

No Minimum Balance

No Service Charge with Check Safekeeping (Check Images Are Not Returned with Statement)

$6.75/Month Service Charge without Check Safekeeping (Check Images Are Returned with Statement)

Debit Cards

^{Garfield County
Bank offers} ^®^{Debit
Cards to our customers with established checking accounts. Please click on the
Credit & Debit Cards link at the top of this page to find out more.}

*APY = Annual Percentage Yield

APY is Accurate as of: December 22, 2011

Variable Rates May Change After The Account Is Opened.

Fees Could Reduce Earnings On The Accounts.

Garfield County Bank has chosen not to participate in the FDIC's Transaction Account Guarantee Program. Customers of Garfield County Bank with non-interest bearing transaction accounts will continue to be insured for up to $250,000.00 under the FDIC's general deposit insurance rules.

For further information about any of these accounts please contact a member of our staff by calling (406) 557-2201 or stop by the Bank.

Important Information About Procedures For Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Member FDIC

Current Rates On Interest Bearing Accounts

Certificates of Deposit

Interest Rate

APY*

Term

Minimum Balance to Obtain APY