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Certificates - Regular and IRA

May 5 , 2008

Fixed Rate $500-$9999 APY* $10,000 & over APY*
3 Months 1.60% 1.61% 1.75% 1.76%
6 Months 2.15% 2.17% 2.30% 2.32%
12 Months 2.25% 2.27% 2.40% 2.42%
24 Months 2.60% 2.62% 2.75% 2.78%
36 Months 2.65% 2.68% 2.80% 2.83%
48 Months 2.65% 2.68% 2.80% 2.83%
60 Months 3.15% 3.19% 3.30% 3.34%

CDs $100,000 & over - Priced at current market rate


College CD - 2.25% APY* - 2.27% - Term 1 to 18 years

-Minimum to open $100
-Index Chase prime minus 2.75%

(APY is based on an opening of $100 and term of 12 months)

18-Month IRA Variable - 1.48% APY* 1.49%
Interest Floor is current statement savings rate - minimum deposit to open $25.00-
Index - 4-week average 24-month T-note rate rounded to nearest 1/10th, minus .50%

*APY stands for Annual Percentage Yield                                         **Rates are subject to change**

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***S P E C I A L S - Available for both Regular and IRA CD's***

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As of April 2, 2008

11 Month CD SPECIAL ~ 11 Months at 3.00% APY*.

Minimum deposit to open is $10,000.00.

Must have a Dart Bank checking account to qualify!

Interest is paid monthly and can be directly deposited into a Dart Bank

checking or savings account or compounded.

INTEREST CHECKS CANNOT BE SENT OUT WITH THIS OFFER

**Consideration if cashed in early - 30 days simple interest**

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48 MONTH CD SPECIAL ~ 48 months at 3.51% APY*.

Minimum deposit to open is $10,000.00.

Must have a Dart Bank checking account to qualify!

Interest can be directly deposited into a Dart Bank

checking or savings account or compounded.

INTEREST CHECKS CANNOT BE SENT OUT WITH THIS OFFER

**Consideration if cashed in early – 30 days simple interest**

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RISING RATE CD-

rate increases every 6 months - $5,000 minimum to open - 24 month term

Rate for the first 6 months 2.75% APY

2nd 6 months 2.90% APY*

3rd 6 months 3.15% APY*

final 6 months 3.30% APY*

Average APY* is 3.02%.

Withdrawals allowed at time of rate increases with no consideration.

(balance cannot go below $5,000 - consideration of 3 months simple

interest for withdrawals at any other time)

Please call one of our personal bankers at any of these locations for further details:

Mason Office – 517.676.3661

Holt/S. Lansing Office – 517.694.5083

Grand Ledge – 517.622.3278

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DartFlex Plus and IRA DartFlex - 1.73% APY* 1.74%

Minimum deposit to open $1,500.00
Rate is based on the four-week average of the 24-month treasury note
rounded to the nearest 1/10th minus .25%


Relationship CD - 36-Month CD based on the 24-Month rate minus .25%.

Premiums paid for other products and services through Dart Bank.

The relationship CD is also available in IRAs.



--Substantial consideration for early withdrawl. A consideration of one month's simple interest for any term up to and including twelve months. A consideration of three month's simple interest for any term over twelve months up to and including fifty-nine months. There will be six month's simple interest consideration for any certificate with a term of sixty months.

DartCall 72 certificates will have a loss of accrued but unpaid interest if cashed in early.

*APY stands for Annual Percentage Yield                                        **Rates are subject to change**

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Savings and Checking Accounts

April 7 , 2008

  Rate APY*
Passbook Savings 0.50% 0.50%
Statement Savings 0.60% 0.60%
Christmas Club    
          Aft 0.50% 0.50%
Health Savings Account Checking    
         $0.00 - $4,999 3.25% 3.25%
         $5,000 - $9,999 3.50% 3.50%
         $10,000 - over 3.75% 3.75%
Lifetime Advantage    
          $0.00-$999.99 0.00% 0.00%
          $1,000-$24,999.99 0.15% 0.15%
          $25,000-$49,999.99 0.25% 0.25%
          $50,000 & over 0.40% 0.40%

Now Account

(Blending of Now and Super Now)

   
          $0.00-$499.99 0.00% 0.00%
          $500-$2,499.99 0.30% 0.30%
          $2,500-$19,999.99 0.30% 0.30%
          $20,000-$99,999.99 0.55% 0.55%
          $100,000 & over 0.80% 0.80%
Hi-Fi Money Markets    
          $0.00-$14,999.99 0.60% 0.60%
          $15,000-$24,999.99 1.00% 1.00%
          $25,000-$49,999.99 1.50% 1.51%
          $50,000 -$99,999.99 2.00% 2.02%
          $100,000 & OVER 2.50% 2.53%

 

*APY stands for Annual Percentage Yield                                       **Rates are subject to change**

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Fixed Rates

April 30 , 2008

  Maximum Term Rate APR**

New & Used Automobiles

and Light Duty Trucks

*APR based on $30,000 at term stated.

48 mo.

60 mo.

72 mo.

5.40%

5.55%

5.90%

5.81%

5.88%

6.18%

          

Motorhomes, Campers, 5th Wheels and Travel Trailers

*APR based on $40,000 at term stated.  

72 mo.

120 mo.

144 mo.

180 mo.

6.15%

6.50%

6.75%

7.00%

6.43%

6.68%

6.90%

7.13%

                

Marine

*APR based on $40,000 at term stated.

72 mo.

120 mo.

144 mo.

180 mo.

6.15%

6.50%

6.75%

7.00%

6.43%

6.68%

6.90%

7.13%

                

Interest rates disclosed are our very best rates to our most credit worthy customers. Your rate may be higher than advertised, depending on your credit history. We offer a .25% rate reduction for automatic payment from a Dart Bank account on all loans except VISA, Home Equity Loans and Lines and Mortgages.APR includes the affects of an $80.00 processing fee.

*APR stands for Annual Percentage Rate                                                  **Rates subject to change**

Additional types of loans are available to meet your financing needs. Please call us for rates on the following types of loans:

  • Home Equity Line of Credit
  • Boats and RV's
  • Aircraft
  • Specialty Vehicles
  • Debt Consolidation
  • Second Mortgages
  • Home Improvement
  • Personal
  • Manufactured Homes
  • Credit Cards
  • CD Secured
  • Overdraft Protection Line of Credit

For more information on consumer loans, please call us at (517) 676-3661.

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Mason Office - 368 S. Park Street - P.O. Box 40 - Mason, MI - 48854-0040 - (517) 676-3661
Grand Ledge Office - 1020 Charlevoix Drive, Grand Ledge, MI 48837 - (517) 622-3278
Holt/S. Lansing - 2469 N. Cedar Street - Holt, MI - 48842-2103 - (517) 694-5083