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CDs & IRAs
 

    GREAT RATE CD’s

    Compare our rates to other banks and  see for
    yourself what it means that we are still independent.
    Only local conditions affect our rates. That's why we
    can still offer a Certificate of Deposit (CD) with a
    highly competitive rate.


       Your money can grow in the complete safety of our Federally
       Insured Certificate of Deposit.  With a minimum deposit of
       $2,500 to open and earn the APY, you can choose any
       of the terms below:

                  Current Rates as of May 1, 2008

CERTIFICATES OF DEPOSIT

Interest Rate

APY *

  6 Month CD

2.38%

2.40%

 12 Month CD

2.33%

2.35%

 24 Month CD 2.48%

2.50%

 36 Month CD

2.48%

2.50%

                 *APY is the annual percentage yield.  A penalty may be imposed for
                   early withdrawal.  Maximum deposit is $99,999.  Fees could reduce
                   the earnings on the accounts.  Rates are subject to change without
                   notice.

       CDARS. MULTI-MILLION DOLLAR FDIC INSURANCE

         The most convenient way to  enjoy full FDIC protection on
         deposit amounts larger than $100,000 through
         Orange County Trust Company. It's a great solution for
         businesses, nonprofit organizations, public funds managers,
         trustees, financial advisors, individuals, credit unions, and IRAs.
         Click here
to learn more. Call us at 845-341-5000 for interest rates.

GREAT IRA INVESTMENT OPPORTUNITIES

Let us help you find the right one. We know the advantages
of all the IRA plans:

bulletRoth,
bulletSpousal,
bulletTraditional.

          With a minimum deposit of $1,000 you can choose 1, 2 or 3
          year terms.

Click here for retirement calculators

Whether it be CD's, CDARS or IRA's, come to any Branch of
Orange County Trust Company today and take advantage

of our rates, security and expertise. Check Locations
for
our Branch nearest you.

To obtain all of our latest rate information, call the 24-hour
Teller-Phone at 341-5100 or 457-4522 or 1-888-341-5100
outside the area.

                                                            Member FDIC 
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