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May 13, 2008
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CNB Interest Rates on Deposits

Demand Deposit Accounts

*APY = Annual Percentage Yield

Rates are effective 04/01/2008. Rates are subject to change. You may call (304) 258-7363 to obtain the most current rates and for any questions you may have about our accounts.

Product Minimum Opening Deposit Minimum Balance To Obtain The APY Compounding Interest Rate *APY
Now Account
$500.00 $500.00 Monthly 0.15% 0.15%
Money Market
$1,000.00 $1,000.00 Monthly 0.25% 0.25%
 
  $5,000.00 Monthly 0.40% 0.40%
 
  $25,000.00 Monthly 0.60% 0.60%
 
  $50,000.00 Monthly 0.70% 0.70%
Ultimate Invest Account*
$10,000.00 $24,999.99 Monthly 0.25% 0.25%
 
  $25,000.00 Monthly 1.25% 1.25%

Fees could reduce the earnings on these accounts. Rates may change after the account is opened.

The Ultimate Invest Account rate is subject to change on the first business day of each month.

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Savings Accounts

*APY = Annual Percentage Yield

Rates are effective 04/01/2008. Rates are subject to change. You may call (304) 258-7363 to obtain the most current rates and for any questions you may have about our accounts.

Product Minimum Opening Deposit Minimum Balance To Obtain The APY Compounding Interest Rate *APY
Statement Savings
$50.00 $50.00 Quarterly 0.30% 0.30%
Christmas Club
$1.00 $1.00 At Maturity 0.30% 0.30%

Fees could reduce the earnings on these accounts. Rates may change after the account is opened.

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Certificates of Deposit

*APY = Annual Percentage Yield

Rates are effective 04/01/2008. Rates are subject to change. You may call (304) 258-7363 to obtain the most current rates and for any questions you may have about our accounts.

Product Minimum Balance Compounding Interest Rate *APY
7 to 30 Days
$1,000.00 At Maturity 0.25% 0.25%
91 Days
$1,000.00 At Maturity 2.23% 2.25%
182 Days
$1,000.00 At Maturity 2.34% 2.35%
12 Months**
$500.00 Semi-Annual 2.48% 2.50%
18 Months**
$500.00 Semi-Annual 2.58% 2.60%
24 Months**
$500.00 Semi-Annual 2.68% 2.70%
30 Months**
$500.00 Semi-Annual 2.78% 2.80%
36 Months**
$1,000.00 Semi-Annual 2.88% 2.90%
48 Months (DO)**
$1,000.00 Semi-Annual 3.13% 3.15%
60 Months**
$500.00 Semi-Annual 3.37% 3.40%

**CDs 12 Months & over excluding specials may be written as an IRA. A penalty may be imposed for early withdrawal on certificates of deposit.

Interest Payment Options

  1. Compounding semi-annually. (Adding back to the CD)
  2. CD's less than $2,500.00 may opt for an interest check or depositing to a savings account semi-annually, over $2,500.00 may opt for monthly, quarterly or semi-annualy.

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Individual Retirement Account (IRA)

*APY = Annual Percentage Yield

Rates are effective 04/01/2008. Rates are subject to change. You may call (304) 258-7363 to obtain the most current rates and for any questions you may have about our accounts.

Product Minimum Balance Compounding Interest Rate *APY
18 Month Variable
$1.00 Quarterly 2.58% 2.60%

A penalty may be imposed for early withdrawal. Rate may change after the account is opened.

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