Bank Ratings

Looking for a Credit Card for Christmas Shopping? Before you submit a credit card application, first review the main points which will help you choose the right credit card for your needs.

What Charges You'll Make - If you're going to use the credit card mainly for booking airline reservations and hotels, it might be best for you to get a travel credit card that offers sky miles and hotel points or cashback. If this will be an emergency credit card only, then your main concern may be for a low interest rate credit card with low fees.

When You'll Repay Charges - Will you pay off credit card charges in full every month, or will you carry a balance month to month? If you're going to carry a balance, you want the lowest possible interest rate as well as a low introductory rate. But if you'll payoff balances in full every month, then interest rate really doesn't matter so no annual fee and/or a long grace period would be a bigger concern. If you're going to carry a balance, be concerned about how the finance charge is calculated. The most common method is the Average Daily Balance, which means that the daily balances are added together and then divided by the number of days in the billing cycle. Stay away from credit cards that compute the balance using two billing cycles, as this method costs more money in financing fees.

What Amount You'll Charge - If you're going to use the credit card for all your monthly expenses, then you need a card that has a high credit limit and a high cashback percentage.

More info about Interest Rates, Credit Limits, Incentives, Fees and Penalties

Interest Rates - The interest rate (Annual Percentage Rate) APR can either be a fixed rate or a variable rate that is tied to another financial indicator, most commonly the prime rate. With a fixed rate credit card you know what the interest rate will be every month, whereas a card with a variable rate can fluctuate. Of course, even the interest of a fixed rate card can change based on certain events, such as paying your credit card bill late, exceeding your limit, or simply because the credit card issuer decides to change it after providing you ample advance notice.

Credit Limit - This is the amount of money the credit card company will let you charge to the card. This amount varies depending upon the card offer and your credit history. Be sure to get a credit card with an ample limit, because getting close to your max can hurt your credit score. Just remember that you don't have to max out your limit just because it's available.

Incentives - To compete for and to gain customers, many credit card companies offer rewards. Even if you normally use cash, why not use your credit card and then use the cash to make the payment during the grace period? You still won't pay interest and meanwhile you'll rack-up rewards. A credit card with 5% cashback will earn you $5 for every $100 charged. If your total bills come to $2,000 per month, you'll earn a free $100 every month. Look for a rewards program that you'll use and which offers flexibility, such as cashback or travel.

Fees and Penalties - Compare common charges such as late fees, overlimit fees, balance transfers, cash advances, and for making payments by telephone. Regarding balance transfers, look for credit card offers with no transaction fees and zero percent interest for at least 12 months.

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Bank Ratings

By Credit Federal | Published 09/6/2008

The Federal Deposit Insurance Corporation (FDIC) issued its newest list of state nonmember banks evaluated in June 2008 for compliance with the Community Reinvestment Act(CRA). The CRA is a 1977 law intended to encourage insured banks and thrifts to meet local credit needs, including those oflow and moderate income neighborhoods, consistent with safe and sound operations. As part of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA), Congress mandated the public disclosure of an evaluation and rating for each bank or thrift that undergoes a CRA examination on or after July 1, 1990.

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Ratings Definitions
O	=	Outstanding
S	=	Satisfactory
NI	=	Needs Improvement
SN	=	Substantial Non-compliance

Atlanta Region (AL, FL, GA, NC, SC, VA, WV)

Bank Name

Street Address

City

Zip

Rating

First Bank of the South

P.O. BOX 9

RAINSVILLE

35986-0000

West Alabama Bank & Trust

P.O. BOX 310

REFORM

35481-0000

Troy Bank & Trust Company

P.O. BOX 967

TROY

36081-0000

Amerifirst Bank

P.O. BOX 570

UNION SPRINGS

36089-0000

Florida Gulf Bank

P.O. BOX 2939

FORT MYERS

33902-2939

Florida Community Bank

1400 NORTH 15TH STREET

IMMOKALEE

34142-2202

The Bank of Commerce

1858 RINGLING BOULEVARD

SARASOTA

34236-0000

Barwick Banking Company

P.O. BOX 7

BARWICK

31720-0007

Bank of Early

P.O. BOX 527

BLAKELY

31723-0000

Southern Bank &Trust

P.O. BOX 2080

CLARKESVILLE

30523

The Peoples Bank

P.O. BOX 4250

EATONTON

31024-4250

The Farmers Bank

P.O. BOX 808

GREENSBORO

30642-0000

Southwest Georgia Bank

P.O. BOX 3488

MOULTRIE

31776-3488

First Bank of Coastal Georgia

P.O. BOX 8

PEMBROKE

31321-0000

American Southern Bank

P.O. BOX 1700

ROSWELL

30077-1700

Crescent State Bank

P.O. BOX 5809

CARY

27512-5809

Bank of Commerce

100 QUEENS ROAD

CHARLOTTE

28204-0000

Providence Bank

P. O. BOX 7727

ROCKY MOUNT

27804

Bank of North Carolina

831 JULIAN AVENUE

THOMASVILLE

27360-0000

Atlantic Community Bank

P. O. BOX 3077

BLUFFTON

29910

BankGreenville

P. O. BOX 6246

GREENVILLE

29606

Bank of York

P.O. BOX 339

YORK

29745-0000

Clay County Bank, Inc.

P.O. BOX 227

CLAY

25043-0000

Whitesville State Bank

120 EAST BOONE STREET

WHITESVILLE

25209-0000

Bank        Name

Street        Address

City

ST

Zip

Rating


Chicago    Region (IL, IN, KY, MI, OH, WI)


Hoyne        Savings Bank

4786        MILWAUKEE AVENUE

CHICAGO

IL

60630-0000

S


Farmers        State Bank of Emden

P.O.        BOX 35

EMDEN

IL

62635-0000

S


Mutual        Bank

16540        SOUTH HALSTED STREET

HARVEY

IL

60426-0000

S


State        Bank of Herscher

P.O.        BOX 68

HERSCHER

IL

60941-0000

S


First        Bank of Highland Park

1835        FIRST STREET

HIGHLAND        PARK

IL

60035-0000

S


Farmers        State Bank of Fulton County

P.O.        BOX 231

LEWISTOWN

IL

61542-0000

S


Bank of        O'Fallon

P.O.        BOX 1626

O'FALLON

IL

62269-0000

S


Park        Ridge Community Bank

P.O.        BOX 829

PARK        RIDGE

IL

60068-0000

S


First        State Bank Shannon-Polo

P.O.        BOX 85

SHANNON

IL

61078-0000

S


1st        Community Bank

MAIN        STREET

SHERRARD

IL

61281-0000

S


The        Merchants Bank and Trust Company

107        NORTH STATE STREET

WEST        HARRISON

IN

47060-1023

NI


American        Founders Bank, Inc.

P.O.        BOX 4090

FRANKFORT

KY

40604-0000

S


Eclipse        Bank, Inc.

3827        SHELBYVILLE ROAD

LOUISVILLE

KY

40207-0000

S


The        Monticello Banking Company

116        NORTH MAIN STREET

MONTICELLO

KY

42633-0421

S


Peoples        Bank & Trust Company

P.O.        BOX 8

OWENTON

KY

40359-0000

S


The        Sacramento Deposit Bank

P.O.        BOX 228

SACRAMENTO

KY

42372-0000

S


United        Bank & Trust -Washtenaw

2723        SOUTH STATE STREET

ANN        ARBOR

MI

48104-6737

S


Bay        Port State Bank

P.O.        BOX 278

BAY        PORT

MI

48720-0278

S


The        PrivateBank

38505        WOODWARD AVENUE, SUITE 1300

BLOOMFIELD        HILLS

MI

48304-0000

S


Portage        Commerce Bank

P. O.        BOX 727

PORTAGE

MI

49081-0727

S


United        Bank & Trust

P.O.        BOX 248

TECUMSEH

MI

49286-0000

S


Firstbank        - West Branch

P.O.        BOX 335

WEST        BRANCH

MI

48661-0000

S


The        Citizens Bank of De Graff

P.O.        BOX 278

DE        GRAFF

OH

43318-0000

S


The        Osgood State Bank

P.O.        BOX 69

OSGOOD

OH

45351-0000

S


Banner        Banks

P.O.        BOX I

BIRNAMWOOD

WI

54414-0000

S


Dairyland        State Bank

P.O.        BOX 397

BRUCE

WI

54819-0000

S


Denmark        State Bank

P.O.        BOX 130

DENMARK

WI

54208-0000

S


KeySavings        Bank

P.O.        BOX 669

WISCONSIN        RAPIDS

WI

54494-0669

S

Bank        Name

Street        Address

City

ST

Zip

Rating


Dallas    Region (AR, CO, LA, MS, NM, OK, TN, TX)


Bank of        Eureka Springs

P.O.        BOX 309

EUREKA        SPRINGS

AR

72632-0000

S


Centennial        Bank

P.O.        BOX 17890

LITTLE        ROCK

AR

72222-7890

S


The        Eastern Colorado Bank

P.O.        BOX 888

CHEYENNE        WELLS

CO

80810-0000

S


Citizen's        Bank

P.O.        BOX 598

VILLE        PLATTE

LA

70586-0000

S


The        Peoples Bank, Biloxi, Mississippi

P.O.        BOX 529

BILOXI

MS

39533-0000

S


The        Cleveland State Bank

P.O.        BOX 1000

CLEVELAND

MS

38732-0000

S


Bank of        Franklin

P. O.        BOX 606

MEADVILLE

MS

39653-0000

S


Valley        Bank of Commerce

207        NORTH PENNSYLVANIA AVENUE

ROSWELL

NM

88201-0000

S


Legacy        Bank

P.O.        BOX 1038

HINTON

OK

73047-0000

S


First        Bank & Trust Company

P.O.        BOX 878

PERRY

OK

73077-0000

S


First        Bank & Trust Company

P.O.        BOX 427

WAGONER

OK

74467-0000

S


The        Farmers & Merchants Bank

P.O.        BOX 285

DYER

TN

38330-0000

S


Mountain        Commerce Bank

P.O.        BOX 1128

ERWIN

TN

37650-0000

S


Clayton        Bank and Trust

P.O.        BOX 226

HENDERSON

TN

38340-0000

S


The        Bank of Waynesboro

P.O.        BOX 397

WAYNESBORO

TN

38485-0000

S


Libertad        Bank SSB

512 E        RIVERSIDE DR

AUSTIN

TX

78704-0000

S


Fort        Davis State Bank

P.O.        BOX 1808

FORT        DAVIS

TX

79734-0000

S


Farmers        State Bank

P.O.        BOX 499

GROESBECK

TX

76642-0499

S


Hull        State Bank

P.O.        BOX 326

HULL

TX

77564-0000

S


AIMBank

337        PHELPS AVENUE

LITTLEFIELD

TX

79339-0000

S


Normangee        State Bank

P.O.        BOX 189

NORMANGEE

TX

77871-0000

S


Benchmark        Bank

5700        LEGACY DRIVE SUITE 10

PLANO

TX

75024-0000

S


First        State Bank

P.O.        BOX 160

SHALLOWATER

TX

79363-0000

S


First        State Bank

P.O.        BOX 778

YOAKUM

TX

77995-0778

S

Bank        Name

Street        Address

City

ST

Zip

Rating


Kansas    City Region (IA, KS, MN, MO ND, NE, SD)


First        State Bank

P.O.        BOX 276

IDA        GROVE

IA

51445-0276

O


Farmers        State Bank

P.O.        BOX 569

MARION

IA

52302-0000

S


Melvin        Savings Bank

P.O.        BOX 188

MELVIN

IA

51350-0000

S


Mount        Vernon Bank and Trust Company

P.O.        BOX 188

MOUNT        VERNON

IA

52314-0000

S


The        Denison State Bank

P.O.        BOX 71

HOLTON

KS

66436-0000

S


The        First Security Bank

P.O.        BOX 306

OVERBROOK

KS

66524-0000

S


Freedom        Bank

6640        WEST 143RD STREET

OVERLAND        PARK

KS

66223-0000

S


Prescott        State Bank

P.O.        BOX 98

PRESCOTT

KS

66767-0000

S


The        Security State Bank

P.O.        BOX 160

WELLINGTON

KS

67152-0000

S


1st        Regents Bank

1777        BUNKER LAKE BOULEVARD NW

ANDOVER

MN

55304-0000

S


Blaine        State Bank

10107        UNIVERSITY AVENUE, N.E.

BLAINE

MN

55434-0000

S


First        Security Bank - Canby.

P.O.        BOX 70

CANBY

MN

56220-0000

S


State        Bank of Ceylon

P.O.        BOX 348

CEYLON

MN

56121-0000

S


21st        Century Bank

P.O.        BOX 98

LORETTO

MN

55357-0000

S


Minnwest        Bank Metro

331        16TH AVENUE NW

ROCHESTER

MN

55901-1809

S


Alton        Bank

P.O.        BOX 6

ALTON

MO

65606-0000

S


Community        State Bank of Missouri

P.O.        BOX 730

BOWLING        GREEN

MO

63334-0000

S


First        State Bank of Joplin

P.O.        BOX 1373

JOPLIN

MO

64802-1373

S


Norbank

P.O.        BOX 12397

NORTH        KANSAS CITY

MO

64116-0000

S


Bank of        Salem

P.O.        BOX 459

SALEM

MO

65560-0000

S


Security        Bank and Trust Company

P.O.        BOX 4216

SCOTT        CITY

MO

63780-0000

S


Kirkwood        Bank & Trust Co.

P.O.        BOX 6089

BISMARCK

ND

58502-6089

S


Frontier        Bank

P. O.        BOX 40

DAVENPORT

NE

68335-0000

S


Commercial        State Bank

P. O.        BOX 67

REPUBLICAN        CITY

NE

68971-0000

S


Winside        State Bank

P.O.        BOX 68

WINSIDE

NE

68790-0000

S

Bank        Name

Street        Address

City

ST

Zip

Rating


New    York Region (CT, DE, DC, MA, MD, ME, NH, NJ, NY, PA, PR, RI, VI, VT)


Community        Bank Delaware

P. O.        BOX 742

LEWES

DE

19958

S


Eastern        Bank

265        FRANKLIN STREET

BOSTON

MA

02110-3120

O


Florence        Savings Bank

85 MAIN        STREET

FLORENCE

MA

01062-0000

O


Benjamin        Franklin Bank

58 MAIN        STREET

FRANKLIN

MA

02038-0000

S


Equitable        Co-operative Bank

P.O.        BOX 8079

LYNN

MA

01904-0079

S


Century        Bank and Trust Company

400        MYSTIC AVE

MEDFORD

MA

02155-0000

S


Winchester        Co-operative Bank

19        CHURCH STREET

WINCHESTER

MA

01890-0000

S


K Bank

P O BOX        406

RANDALLSTOWN

MD

21133-0000

S


Saco        & Biddeford Savings Institution

P.O.        BOX 557

SACO

ME

04072-0000

S


Claremont        Savings Bank

145        BROAD STREET

CLAREMONT

NH

03743-0000

S


MARINERS        BANK

935        RIVER ROAD

EDGEWATER

NJ

07020-0000

S


Citizens        Bank of Cape Vincent

BROADWAY

CAPE        VINCENT

NY

13618-0000

S


Standard        Bank, PaSB

2640        MONROEVILLE BLVD

MONROEVILLE

PA

15146-0000

S


The        Scottdale Bank & Trust Company

150        PITTSBURGH STREET

SCOTTDALE

PA

15683-0000

S

Bank        Name

Street        Address

City

ST

Zip

Rating


San    Francisco Region (AK, AZ, CA, GU, HI, ID, MT, NV, OR, UT, WA, WY)


First        State Bank

P. O.        BOX 3780

FLAGSTAFF

AZ

86003-0000

S


1st        Bank Yuma

2799        SOUTH 4TH AVENUE

YUMA

AZ

85364-0000

S


Orange        Community Bank

1045        WEST KATELLA AVENUE

ORANGE

CA

92867-0000

S


Ireland        Bank

P.O.        BOX 186

MALAD        CITY

ID

83252-0186

S


USAA        Savings Bank

3773        HOWARD HUGHES PARKWAY, #190N

LAS        VEGAS

NV

89109-0000

O


The        Commerce Bank of Oregon

1211 SW        5TH AVENUE, SUITE 1250

PORTLAND

OR

97204-0000

S


Magnet        Bank

2825        EAST COTTONWOOD PARKWAY, SUITE 180

SALT        LAKE CITY

UT

84121-0000

S


Utah        Community Bank

820        EAST 9400 SOUTH

SANDY

UT

84094-0000

S

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Bank Ratings - by <a href=http://creditfederal.com>CreditFederal.com</a> The Federal Deposit Insurance Corporation (FDIC) issued its newest list of state nonmember banks evaluated in June 2008 for compliance with the Community Reinvestment Act(CRA). The CRA is a 1977 law intended to encourage insured banks and thrifts to meet local credit needs, including those oflow and moderate income neighborhoods, consistent with safe and sound operations. As part of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA), Congress mandated the public disclosure of an evaluation and rating for each bank or thrift that undergoes a CRA examination on or after July 1, 1990. Apply for a <a target='_top' target="_top" href="http://creditfederal.com/bank-checking-account.html">bank checking account</a>. Use our free <a target='_top' target="_top" href="http://creditfederal.com/checkbook-register.html">checkbook register software</a>. <table border="1" bordercolor="#b6b6b6" cellpadding="2" cellspacing="0" width="550"><caption><div align="left"> <table border="1" bordercolor="#008080" cellpadding="4" cellspacing="0" width="230"><tbody><tr><td colspan="3" bgcolor="#f1f1eb" width="215"> Ratings Definitions</td></tr><tr><td bordercolor="#F2FFF2" bgcolor="#f2fff2" width="10%"> O</td><td bordercolor="#F2FFF2" bgcolor="#f2fff2" width="5"> =</td><td bordercolor="#F2FFF2" bgcolor="#f2fff2" width="215">Outstanding</td></tr><tr><td bordercolor="#F2FFF2" bgcolor="#f2fff2" width="10%"> S</td><td bordercolor="#F2FFF2" bgcolor="#f2fff2" width="5"> =</td><td bordercolor="#F2FFF2" bgcolor="#f2fff2" width="215">Satisfactory</td></tr><tr><td bordercolor="#F2FFF2" bgcolor="#f2fff2" width="10%"> NI</td><td bordercolor="#F2FFF2" bgcolor="#f2fff2" width="5"> =</td><td bordercolor="#F2FFF2" bgcolor="#f2fff2" width="215">Needs Improvement</td></tr><tr><td bordercolor="#F2FFF2" bgcolor="#f2fff2" width="10%"> SN</td><td bordercolor="#F2FFF2" bgcolor="#f2fff2" width="5"> =</td><td bordercolor="#F2FFF2" bgcolor="#f2fff2" width="215">Substantial Non-compliance</td></tr></tbody></table> </div> Atlanta Region (AL, FL, GA, NC, SC, VA, WV) </caption><tbody><tr><th scope="col" align="left" bgcolor="#f1f1eb" valign="top"> Bank Name </th><th scope="col" align="left" bgcolor="#f1f1eb" valign="top"> Street Address </th><th scope="col" align="left" bgcolor="#f1f1eb" valign="top"> City </th><th scope="col" align="left" bgcolor="#f1f1eb" valign="top"> ST </th><th scope="col" align="left" bgcolor="#f1f1eb" valign="top"> Zip </th><th scope="col" align="left" bgcolor="#f1f1eb" valign="top"> Rating </th></tr><tr><td bgcolor="#f2fff2"> First Bank of the South </td><td bgcolor="#f2fff2"> P.O. BOX 9 </td><td bgcolor="#f2fff2"> RAINSVILLE </td><td bgcolor="#f2fff2"> AL </td><td bgcolor="#f2fff2"> 35986-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> West Alabama Bank & Trust </td><td bgcolor="#f2fff2"> P.O. BOX 310 </td><td bgcolor="#f2fff2"> REFORM </td><td bgcolor="#f2fff2"> AL </td><td bgcolor="#f2fff2"> 35481-0000 </td><td align="center" bgcolor="#f2fff2"> O </td></tr><tr><td bgcolor="#f2fff2"> Troy Bank & Trust Company </td><td bgcolor="#f2fff2"> P.O. BOX 967 </td><td bgcolor="#f2fff2"> TROY </td><td bgcolor="#f2fff2"> AL </td><td bgcolor="#f2fff2"> 36081-0000 </td><td align="center" bgcolor="#f2fff2"> O </td></tr><tr><td bgcolor="#f2fff2"> Amerifirst Bank </td><td bgcolor="#f2fff2"> P.O. BOX 570 </td><td bgcolor="#f2fff2"> UNION SPRINGS </td><td bgcolor="#f2fff2"> AL </td><td bgcolor="#f2fff2"> 36089-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Florida Gulf Bank </td><td bgcolor="#f2fff2"> P.O. BOX 2939 </td><td bgcolor="#f2fff2"> FORT MYERS </td><td bgcolor="#f2fff2"> FL </td><td bgcolor="#f2fff2"> 33902-2939 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Florida Community Bank </td><td bgcolor="#f2fff2"> 1400 NORTH 15TH STREET </td><td bgcolor="#f2fff2"> IMMOKALEE </td><td bgcolor="#f2fff2"> FL </td><td bgcolor="#f2fff2"> 34142-2202 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> The Bank of Commerce </td><td bgcolor="#f2fff2"> 1858 RINGLING BOULEVARD </td><td bgcolor="#f2fff2"> SARASOTA </td><td bgcolor="#f2fff2"> FL </td><td bgcolor="#f2fff2"> 34236-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Barwick Banking Company </td><td bgcolor="#f2fff2"> P.O. BOX 7 </td><td bgcolor="#f2fff2"> BARWICK </td><td bgcolor="#f2fff2"> GA </td><td bgcolor="#f2fff2"> 31720-0007 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Bank of Early </td><td bgcolor="#f2fff2"> P.O. BOX 527 </td><td bgcolor="#f2fff2"> BLAKELY </td><td bgcolor="#f2fff2"> GA </td><td bgcolor="#f2fff2"> 31723-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Southern Bank &Trust </td><td bgcolor="#f2fff2"> P.O. BOX 2080 </td><td bgcolor="#f2fff2"> CLARKESVILLE </td><td bgcolor="#f2fff2"> GA </td><td bgcolor="#f2fff2"> 30523 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> The Peoples Bank </td><td bgcolor="#f2fff2"> P.O. BOX 4250 </td><td bgcolor="#f2fff2"> EATONTON </td><td bgcolor="#f2fff2"> GA </td><td bgcolor="#f2fff2"> 31024-4250 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> The Farmers Bank </td><td bgcolor="#f2fff2"> P.O. BOX 808 </td><td bgcolor="#f2fff2"> GREENSBORO </td><td bgcolor="#f2fff2"> GA </td><td bgcolor="#f2fff2"> 30642-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Southwest Georgia Bank </td><td bgcolor="#f2fff2"> P.O. BOX 3488 </td><td bgcolor="#f2fff2"> MOULTRIE </td><td bgcolor="#f2fff2"> GA </td><td bgcolor="#f2fff2"> 31776-3488 </td><td align="center" bgcolor="#f2fff2"> O </td></tr><tr><td bgcolor="#f2fff2"> First Bank of Coastal Georgia </td><td bgcolor="#f2fff2"> P.O. BOX 8 </td><td bgcolor="#f2fff2"> PEMBROKE </td><td bgcolor="#f2fff2"> GA </td><td bgcolor="#f2fff2"> 31321-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> American Southern Bank </td><td bgcolor="#f2fff2"> P.O. BOX 1700 </td><td bgcolor="#f2fff2"> ROSWELL </td><td bgcolor="#f2fff2"> GA </td><td bgcolor="#f2fff2"> 30077-1700 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Crescent State Bank </td><td bgcolor="#f2fff2"> P.O. BOX 5809 </td><td bgcolor="#f2fff2"> CARY </td><td bgcolor="#f2fff2"> NC </td><td bgcolor="#f2fff2"> 27512-5809 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Bank of Commerce </td><td bgcolor="#f2fff2"> 100 QUEENS ROAD </td><td bgcolor="#f2fff2"> CHARLOTTE </td><td bgcolor="#f2fff2"> NC </td><td bgcolor="#f2fff2"> 28204-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Providence Bank </td><td bgcolor="#f2fff2"> P. O. BOX 7727 </td><td bgcolor="#f2fff2"> ROCKY MOUNT </td><td bgcolor="#f2fff2"> NC </td><td bgcolor="#f2fff2"> 27804 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Bank of North Carolina </td><td bgcolor="#f2fff2"> 831 JULIAN AVENUE </td><td bgcolor="#f2fff2"> THOMASVILLE </td><td bgcolor="#f2fff2"> NC </td><td bgcolor="#f2fff2"> 27360-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Atlantic Community Bank </td><td bgcolor="#f2fff2"> P. O. BOX 3077 </td><td bgcolor="#f2fff2"> BLUFFTON </td><td bgcolor="#f2fff2"> SC </td><td bgcolor="#f2fff2"> 29910 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> BankGreenville </td><td bgcolor="#f2fff2"> P. O. BOX 6246 </td><td bgcolor="#f2fff2"> GREENVILLE </td><td bgcolor="#f2fff2"> SC </td><td bgcolor="#f2fff2"> 29606 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Bank of York </td><td bgcolor="#f2fff2"> P.O. BOX 339 </td><td bgcolor="#f2fff2"> YORK </td><td bgcolor="#f2fff2"> SC </td><td bgcolor="#f2fff2"> 29745-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Clay County Bank, Inc. </td><td bgcolor="#f2fff2"> P.O. BOX 227 </td><td bgcolor="#f2fff2"> CLAY </td><td bgcolor="#f2fff2"> WV </td><td bgcolor="#f2fff2"> 25043-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Whitesville State Bank </td><td bgcolor="#f2fff2"> 120 EAST BOONE STREET </td><td bgcolor="#f2fff2"> WHITESVILLE </td><td bgcolor="#f2fff2"> WV </td><td bgcolor="#f2fff2"> 25209-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr></tbody></table> <table border="1" bordercolor="#b6b6b6" cellpadding="2" cellspacing="0" width="550"><tbody><tr bgcolor="#ebebeb" valign="top"><th scope="col" align="left" valign="top"> Bank Name </th><th scope="col" align="left" valign="top"> Street Address </th><th scope="col" align="left" valign="top"> City </th><th scope="col" align="left" valign="top"> ST </th><th scope="col" align="left" valign="top"> Zip </th><th scope="col" align="left" bgcolor="#ebebeb" valign="top"> Rating </th></tr></tbody><caption> Chicago Region (IL, IN, KY, MI, OH, WI) </caption><tbody><tr><td bgcolor="#f2fff2"> Hoyne Savings Bank </td><td bgcolor="#f2fff2"> 4786 MILWAUKEE AVENUE </td><td bgcolor="#f2fff2"> CHICAGO </td><td bgcolor="#f2fff2"> IL </td><td bgcolor="#f2fff2"> 60630-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Farmers State Bank of Emden </td><td bgcolor="#f2fff2"> P.O. BOX 35 </td><td bgcolor="#f2fff2"> EMDEN </td><td bgcolor="#f2fff2"> IL </td><td bgcolor="#f2fff2"> 62635-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Mutual Bank </td><td bgcolor="#f2fff2"> 16540 SOUTH HALSTED STREET </td><td bgcolor="#f2fff2"> HARVEY </td><td bgcolor="#f2fff2"> IL </td><td bgcolor="#f2fff2"> 60426-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> State Bank of Herscher </td><td bgcolor="#f2fff2"> P.O. BOX 68 </td><td bgcolor="#f2fff2"> HERSCHER </td><td bgcolor="#f2fff2"> IL </td><td bgcolor="#f2fff2"> 60941-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> First Bank of Highland Park </td><td bgcolor="#f2fff2"> 1835 FIRST STREET </td><td bgcolor="#f2fff2"> HIGHLAND PARK </td><td bgcolor="#f2fff2"> IL </td><td bgcolor="#f2fff2"> 60035-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Farmers State Bank of Fulton County </td><td bgcolor="#f2fff2"> P.O. BOX 231 </td><td bgcolor="#f2fff2"> LEWISTOWN </td><td bgcolor="#f2fff2"> IL </td><td bgcolor="#f2fff2"> 61542-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Bank of O'Fallon </td><td bgcolor="#f2fff2"> P.O. BOX 1626 </td><td bgcolor="#f2fff2"> O'FALLON </td><td bgcolor="#f2fff2"> IL </td><td bgcolor="#f2fff2"> 62269-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Park Ridge Community Bank </td><td bgcolor="#f2fff2"> P.O. BOX 829 </td><td bgcolor="#f2fff2"> PARK RIDGE </td><td bgcolor="#f2fff2"> IL </td><td bgcolor="#f2fff2"> 60068-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> First State Bank Shannon-Polo </td><td bgcolor="#f2fff2"> P.O. BOX 85 </td><td bgcolor="#f2fff2"> SHANNON </td><td bgcolor="#f2fff2"> IL </td><td bgcolor="#f2fff2"> 61078-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> 1st Community Bank </td><td bgcolor="#f2fff2"> MAIN STREET </td><td bgcolor="#f2fff2"> SHERRARD </td><td bgcolor="#f2fff2"> IL </td><td bgcolor="#f2fff2"> 61281-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> The Merchants Bank and Trust Company </td><td bgcolor="#f2fff2"> 107 NORTH STATE STREET </td><td bgcolor="#f2fff2"> WEST HARRISON </td><td bgcolor="#f2fff2"> IN </td><td bgcolor="#f2fff2"> 47060-1023 </td><td align="center" bgcolor="#f2fff2"> NI </td></tr><tr><td bgcolor="#f2fff2"> American Founders Bank, Inc. </td><td bgcolor="#f2fff2"> P.O. BOX 4090 </td><td bgcolor="#f2fff2"> FRANKFORT </td><td bgcolor="#f2fff2"> KY </td><td bgcolor="#f2fff2"> 40604-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Eclipse Bank, Inc. </td><td bgcolor="#f2fff2"> 3827 SHELBYVILLE ROAD </td><td bgcolor="#f2fff2"> LOUISVILLE </td><td bgcolor="#f2fff2"> KY </td><td bgcolor="#f2fff2"> 40207-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> The Monticello Banking Company </td><td bgcolor="#f2fff2"> 116 NORTH MAIN STREET </td><td bgcolor="#f2fff2"> MONTICELLO </td><td bgcolor="#f2fff2"> KY </td><td bgcolor="#f2fff2"> 42633-0421 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Peoples Bank & Trust Company </td><td bgcolor="#f2fff2"> P.O. BOX 8 </td><td bgcolor="#f2fff2"> OWENTON </td><td bgcolor="#f2fff2"> KY </td><td bgcolor="#f2fff2"> 40359-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> The Sacramento Deposit Bank </td><td bgcolor="#f2fff2"> P.O. BOX 228 </td><td bgcolor="#f2fff2"> SACRAMENTO </td><td bgcolor="#f2fff2"> KY </td><td bgcolor="#f2fff2"> 42372-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> United Bank & Trust -Washtenaw </td><td bgcolor="#f2fff2"> 2723 SOUTH STATE STREET </td><td bgcolor="#f2fff2"> ANN ARBOR </td><td bgcolor="#f2fff2"> MI </td><td bgcolor="#f2fff2"> 48104-6737 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Bay Port State Bank </td><td bgcolor="#f2fff2"> P.O. BOX 278 </td><td bgcolor="#f2fff2"> BAY PORT </td><td bgcolor="#f2fff2"> MI </td><td bgcolor="#f2fff2"> 48720-0278 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> The PrivateBank </td><td bgcolor="#f2fff2"> 38505 WOODWARD AVENUE, SUITE 1300 </td><td bgcolor="#f2fff2"> BLOOMFIELD HILLS </td><td bgcolor="#f2fff2"> MI </td><td bgcolor="#f2fff2"> 48304-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Portage Commerce Bank </td><td bgcolor="#f2fff2"> P. O. BOX 727 </td><td bgcolor="#f2fff2"> PORTAGE </td><td bgcolor="#f2fff2"> MI </td><td bgcolor="#f2fff2"> 49081-0727 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> United Bank & Trust </td><td bgcolor="#f2fff2"> P.O. BOX 248 </td><td bgcolor="#f2fff2"> TECUMSEH </td><td bgcolor="#f2fff2"> MI </td><td bgcolor="#f2fff2"> 49286-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Firstbank - West Branch </td><td bgcolor="#f2fff2"> P.O. BOX 335 </td><td bgcolor="#f2fff2"> WEST BRANCH </td><td bgcolor="#f2fff2"> MI </td><td bgcolor="#f2fff2"> 48661-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> The Citizens Bank of De Graff </td><td bgcolor="#f2fff2"> P.O. BOX 278 </td><td bgcolor="#f2fff2"> DE GRAFF </td><td bgcolor="#f2fff2"> OH </td><td bgcolor="#f2fff2"> 43318-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> The Osgood State Bank </td><td bgcolor="#f2fff2"> P.O. BOX 69 </td><td bgcolor="#f2fff2"> OSGOOD </td><td bgcolor="#f2fff2"> OH </td><td bgcolor="#f2fff2"> 45351-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Banner Banks </td><td bgcolor="#f2fff2"> P.O. BOX I </td><td bgcolor="#f2fff2"> BIRNAMWOOD </td><td bgcolor="#f2fff2"> WI </td><td bgcolor="#f2fff2"> 54414-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Dairyland State Bank </td><td bgcolor="#f2fff2"> P.O. BOX 397 </td><td bgcolor="#f2fff2"> BRUCE </td><td bgcolor="#f2fff2"> WI </td><td bgcolor="#f2fff2"> 54819-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Denmark State Bank </td><td bgcolor="#f2fff2"> P.O. BOX 130 </td><td bgcolor="#f2fff2"> DENMARK </td><td bgcolor="#f2fff2"> WI </td><td bgcolor="#f2fff2"> 54208-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> KeySavings Bank </td><td bgcolor="#f2fff2"> P.O. BOX 669 </td><td bgcolor="#f2fff2"> WISCONSIN RAPIDS </td><td bgcolor="#f2fff2"> WI </td><td bgcolor="#f2fff2"> 54494-0669 </td><td align="center" bgcolor="#f2fff2"> S </td></tr></tbody></table> <table border="1" bordercolor="#b6b6b6" cellpadding="2" cellspacing="0" width="550"><tbody><tr bgcolor="#ebebeb" valign="top"><th scope="col" align="left" valign="top"> Bank Name </th><th scope="col" align="left" valign="top"> Street Address </th><th scope="col" align="left" valign="top"> City </th><th scope="col" align="left" valign="top"> ST </th><th scope="col" align="left" valign="top"> Zip </th><th scope="col" align="left" valign="top"> Rating </th></tr></tbody><caption> Dallas Region (AR, CO, LA, MS, NM, OK, TN, TX) </caption><tbody><tr><td bgcolor="#f2fff2"> Bank of Eureka Springs </td><td bgcolor="#f2fff2"> P.O. BOX 309 </td><td bgcolor="#f2fff2"> EUREKA SPRINGS </td><td bgcolor="#f2fff2"> AR </td><td bgcolor="#f2fff2"> 72632-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Centennial Bank </td><td bgcolor="#f2fff2"> P.O. BOX 17890 </td><td bgcolor="#f2fff2"> LITTLE ROCK </td><td bgcolor="#f2fff2"> AR </td><td bgcolor="#f2fff2"> 72222-7890 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> The Eastern Colorado Bank </td><td bgcolor="#f2fff2"> P.O. BOX 888 </td><td bgcolor="#f2fff2"> CHEYENNE WELLS </td><td bgcolor="#f2fff2"> CO </td><td bgcolor="#f2fff2"> 80810-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Citizen's Bank </td><td bgcolor="#f2fff2"> P.O. BOX 598 </td><td bgcolor="#f2fff2"> VILLE PLATTE </td><td bgcolor="#f2fff2"> LA </td><td bgcolor="#f2fff2"> 70586-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> The Peoples Bank, Biloxi, Mississippi </td><td bgcolor="#f2fff2"> P.O. BOX 529 </td><td bgcolor="#f2fff2"> BILOXI </td><td bgcolor="#f2fff2"> MS </td><td bgcolor="#f2fff2"> 39533-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> The Cleveland State Bank </td><td bgcolor="#f2fff2"> P.O. BOX 1000 </td><td bgcolor="#f2fff2"> CLEVELAND </td><td bgcolor="#f2fff2"> MS </td><td bgcolor="#f2fff2"> 38732-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Bank of Franklin </td><td bgcolor="#f2fff2"> P. O. BOX 606 </td><td bgcolor="#f2fff2"> MEADVILLE </td><td bgcolor="#f2fff2"> MS </td><td bgcolor="#f2fff2"> 39653-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Valley Bank of Commerce </td><td bgcolor="#f2fff2"> 207 NORTH PENNSYLVANIA AVENUE </td><td bgcolor="#f2fff2"> ROSWELL </td><td bgcolor="#f2fff2"> NM </td><td bgcolor="#f2fff2"> 88201-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Legacy Bank </td><td bgcolor="#f2fff2"> P.O. BOX 1038 </td><td bgcolor="#f2fff2"> HINTON </td><td bgcolor="#f2fff2"> OK </td><td bgcolor="#f2fff2"> 73047-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> First Bank & Trust Company </td><td bgcolor="#f2fff2"> P.O. BOX 878 </td><td bgcolor="#f2fff2"> PERRY </td><td bgcolor="#f2fff2"> OK </td><td bgcolor="#f2fff2"> 73077-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> First Bank & Trust Company </td><td bgcolor="#f2fff2"> P.O. BOX 427 </td><td bgcolor="#f2fff2"> WAGONER </td><td bgcolor="#f2fff2"> OK </td><td bgcolor="#f2fff2"> 74467-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> The Farmers & Merchants Bank </td><td bgcolor="#f2fff2"> P.O. BOX 285 </td><td bgcolor="#f2fff2"> DYER </td><td bgcolor="#f2fff2"> TN </td><td bgcolor="#f2fff2"> 38330-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Mountain Commerce Bank </td><td bgcolor="#f2fff2"> P.O. BOX 1128 </td><td bgcolor="#f2fff2"> ERWIN </td><td bgcolor="#f2fff2"> TN </td><td bgcolor="#f2fff2"> 37650-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Clayton Bank and Trust </td><td bgcolor="#f2fff2"> P.O. BOX 226 </td><td bgcolor="#f2fff2"> HENDERSON </td><td bgcolor="#f2fff2"> TN </td><td bgcolor="#f2fff2"> 38340-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> The Bank of Waynesboro </td><td bgcolor="#f2fff2"> P.O. BOX 397 </td><td bgcolor="#f2fff2"> WAYNESBORO </td><td bgcolor="#f2fff2"> TN </td><td bgcolor="#f2fff2"> 38485-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Libertad Bank SSB </td><td bgcolor="#f2fff2"> 512 E RIVERSIDE DR </td><td bgcolor="#f2fff2"> AUSTIN </td><td bgcolor="#f2fff2"> TX </td><td bgcolor="#f2fff2"> 78704-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Fort Davis State Bank </td><td bgcolor="#f2fff2"> P.O. BOX 1808 </td><td bgcolor="#f2fff2"> FORT DAVIS </td><td bgcolor="#f2fff2"> TX </td><td bgcolor="#f2fff2"> 79734-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Farmers State Bank </td><td bgcolor="#f2fff2"> P.O. BOX 499 </td><td bgcolor="#f2fff2"> GROESBECK </td><td bgcolor="#f2fff2"> TX </td><td bgcolor="#f2fff2"> 76642-0499 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Hull State Bank </td><td bgcolor="#f2fff2"> P.O. BOX 326 </td><td bgcolor="#f2fff2"> HULL </td><td bgcolor="#f2fff2"> TX </td><td bgcolor="#f2fff2"> 77564-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> AIMBank </td><td bgcolor="#f2fff2"> 337 PHELPS AVENUE </td><td bgcolor="#f2fff2"> LITTLEFIELD </td><td bgcolor="#f2fff2"> TX </td><td bgcolor="#f2fff2"> 79339-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Normangee State Bank </td><td bgcolor="#f2fff2"> P.O. BOX 189 </td><td bgcolor="#f2fff2"> NORMANGEE </td><td bgcolor="#f2fff2"> TX </td><td bgcolor="#f2fff2"> 77871-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Benchmark Bank </td><td bgcolor="#f2fff2"> 5700 LEGACY DRIVE SUITE 10 </td><td bgcolor="#f2fff2"> PLANO </td><td bgcolor="#f2fff2"> TX </td><td bgcolor="#f2fff2"> 75024-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> First State Bank </td><td bgcolor="#f2fff2"> P.O. BOX 160 </td><td bgcolor="#f2fff2"> SHALLOWATER </td><td bgcolor="#f2fff2"> TX </td><td bgcolor="#f2fff2"> 79363-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> First State Bank </td><td bgcolor="#f2fff2"> P.O. BOX 778 </td><td bgcolor="#f2fff2"> YOAKUM </td><td bgcolor="#f2fff2"> TX </td><td bgcolor="#f2fff2"> 77995-0778 </td><td align="center" bgcolor="#f2fff2"> S </td></tr></tbody></table> <table bgcolor="#b6b6b6" border="1" bordercolor="#b6b6b6" cellpadding="2" cellspacing="0" width="550"><tbody><tr bgcolor="#ebebeb" valign="top"><th scope="col" align="left" valign="top"> Bank Name </th><th scope="col" align="left" valign="top"> Street Address </th><th scope="col" align="left" valign="top"> City </th><th scope="col" align="left" valign="top"> ST </th><th scope="col" align="left" valign="top"> Zip </th><th scope="col" align="left" valign="top"> Rating </th></tr></tbody><caption> Kansas City Region (IA, KS, MN, MO ND, NE, SD) </caption><tbody><tr><td bgcolor="#f2fff2"> First State Bank </td><td bgcolor="#f2fff2"> P.O. BOX 276 </td><td bgcolor="#f2fff2"> IDA GROVE </td><td bgcolor="#f2fff2"> IA </td><td bgcolor="#f2fff2"> 51445-0276 </td><td align="center" bgcolor="#f2fff2"> O </td></tr><tr><td bgcolor="#f2fff2"> Farmers State Bank </td><td bgcolor="#f2fff2"> P.O. BOX 569 </td><td bgcolor="#f2fff2"> MARION </td><td bgcolor="#f2fff2"> IA </td><td bgcolor="#f2fff2"> 52302-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Melvin Savings Bank </td><td bgcolor="#f2fff2"> P.O. BOX 188 </td><td bgcolor="#f2fff2"> MELVIN </td><td bgcolor="#f2fff2"> IA </td><td bgcolor="#f2fff2"> 51350-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Mount Vernon Bank and Trust Company </td><td bgcolor="#f2fff2"> P.O. BOX 188 </td><td bgcolor="#f2fff2"> MOUNT VERNON </td><td bgcolor="#f2fff2"> IA </td><td bgcolor="#f2fff2"> 52314-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> The Denison State Bank </td><td bgcolor="#f2fff2"> P.O. BOX 71 </td><td bgcolor="#f2fff2"> HOLTON </td><td bgcolor="#f2fff2"> KS </td><td bgcolor="#f2fff2"> 66436-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> The First Security Bank </td><td bgcolor="#f2fff2"> P.O. BOX 306 </td><td bgcolor="#f2fff2"> OVERBROOK </td><td bgcolor="#f2fff2"> KS </td><td bgcolor="#f2fff2"> 66524-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Freedom Bank </td><td bgcolor="#f2fff2"> 6640 WEST 143RD STREET </td><td bgcolor="#f2fff2"> OVERLAND PARK </td><td bgcolor="#f2fff2"> KS </td><td bgcolor="#f2fff2"> 66223-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Prescott State Bank </td><td bgcolor="#f2fff2"> P.O. BOX 98 </td><td bgcolor="#f2fff2"> PRESCOTT </td><td bgcolor="#f2fff2"> KS </td><td bgcolor="#f2fff2"> 66767-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> The Security State Bank </td><td bgcolor="#f2fff2"> P.O. BOX 160 </td><td bgcolor="#f2fff2"> WELLINGTON </td><td bgcolor="#f2fff2"> KS </td><td bgcolor="#f2fff2"> 67152-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> 1st Regents Bank </td><td bgcolor="#f2fff2"> 1777 BUNKER LAKE BOULEVARD NW </td><td bgcolor="#f2fff2"> ANDOVER </td><td bgcolor="#f2fff2"> MN </td><td bgcolor="#f2fff2"> 55304-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Blaine State Bank </td><td bgcolor="#f2fff2"> 10107 UNIVERSITY AVENUE, N.E. </td><td bgcolor="#f2fff2"> BLAINE </td><td bgcolor="#f2fff2"> MN </td><td bgcolor="#f2fff2"> 55434-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> First Security Bank - Canby. </td><td bgcolor="#f2fff2"> P.O. BOX 70 </td><td bgcolor="#f2fff2"> CANBY </td><td bgcolor="#f2fff2"> MN </td><td bgcolor="#f2fff2"> 56220-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> State Bank of Ceylon </td><td bgcolor="#f2fff2"> P.O. BOX 348 </td><td bgcolor="#f2fff2"> CEYLON </td><td bgcolor="#f2fff2"> MN </td><td bgcolor="#f2fff2"> 56121-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> 21st Century Bank </td><td bgcolor="#f2fff2"> P.O. BOX 98 </td><td bgcolor="#f2fff2"> LORETTO </td><td bgcolor="#f2fff2"> MN </td><td bgcolor="#f2fff2"> 55357-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Minnwest Bank Metro </td><td bgcolor="#f2fff2"> 331 16TH AVENUE NW </td><td bgcolor="#f2fff2"> ROCHESTER </td><td bgcolor="#f2fff2"> MN </td><td bgcolor="#f2fff2"> 55901-1809 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Alton Bank </td><td bgcolor="#f2fff2"> P.O. BOX 6 </td><td bgcolor="#f2fff2"> ALTON </td><td bgcolor="#f2fff2"> MO </td><td bgcolor="#f2fff2"> 65606-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Community State Bank of Missouri </td><td bgcolor="#f2fff2"> P.O. BOX 730 </td><td bgcolor="#f2fff2"> BOWLING GREEN </td><td bgcolor="#f2fff2"> MO </td><td bgcolor="#f2fff2"> 63334-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> First State Bank of Joplin </td><td bgcolor="#f2fff2"> P.O. BOX 1373 </td><td bgcolor="#f2fff2"> JOPLIN </td><td bgcolor="#f2fff2"> MO </td><td bgcolor="#f2fff2"> 64802-1373 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Norbank </td><td bgcolor="#f2fff2"> P.O. BOX 12397 </td><td bgcolor="#f2fff2"> NORTH KANSAS CITY </td><td bgcolor="#f2fff2"> MO </td><td bgcolor="#f2fff2"> 64116-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Bank of Salem </td><td bgcolor="#f2fff2"> P.O. BOX 459 </td><td bgcolor="#f2fff2"> SALEM </td><td bgcolor="#f2fff2"> MO </td><td bgcolor="#f2fff2"> 65560-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Security Bank and Trust Company </td><td bgcolor="#f2fff2"> P.O. BOX 4216 </td><td bgcolor="#f2fff2"> SCOTT CITY </td><td bgcolor="#f2fff2"> MO </td><td bgcolor="#f2fff2"> 63780-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Kirkwood Bank & Trust Co. </td><td bgcolor="#f2fff2"> P.O. BOX 6089 </td><td bgcolor="#f2fff2"> BISMARCK </td><td bgcolor="#f2fff2"> ND </td><td bgcolor="#f2fff2"> 58502-6089 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Frontier Bank </td><td bgcolor="#f2fff2"> P. O. BOX 40 </td><td bgcolor="#f2fff2"> DAVENPORT </td><td bgcolor="#f2fff2"> NE </td><td bgcolor="#f2fff2"> 68335-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Commercial State Bank </td><td bgcolor="#f2fff2"> P. O. BOX 67 </td><td bgcolor="#f2fff2"> REPUBLICAN CITY </td><td bgcolor="#f2fff2"> NE </td><td bgcolor="#f2fff2"> 68971-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Winside State Bank </td><td bgcolor="#f2fff2"> P.O. BOX 68 </td><td bgcolor="#f2fff2"> WINSIDE </td><td bgcolor="#f2fff2"> NE </td><td bgcolor="#f2fff2"> 68790-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr></tbody></table> <table border="1" bordercolor="#b6b6b6" cellpadding="2" cellspacing="0" width="550"><tbody><tr bgcolor="#ebebeb" valign="top"><th scope="col" align="left" valign="top"> Bank Name </th><th scope="col" align="left" valign="top"> Street Address </th><th scope="col" align="left" valign="top"> City </th><th scope="col" align="left" valign="top"> ST </th><th scope="col" align="left" valign="top"> Zip </th><th scope="col" align="left" valign="top"> Rating </th></tr></tbody><caption> New York Region (CT, DE, DC, MA, MD, ME, NH, NJ, NY, PA, PR, RI, VI, VT) </caption><tbody><tr><td bgcolor="#f2fff2"> Community Bank Delaware </td><td bgcolor="#f2fff2"> P. O. BOX 742 </td><td bgcolor="#f2fff2"> LEWES </td><td bgcolor="#f2fff2"> DE </td><td bgcolor="#f2fff2"> 19958 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Eastern Bank </td><td bgcolor="#f2fff2"> 265 FRANKLIN STREET </td><td bgcolor="#f2fff2"> BOSTON </td><td bgcolor="#f2fff2"> MA </td><td bgcolor="#f2fff2"> 02110-3120 </td><td align="center" bgcolor="#f2fff2"> O </td></tr><tr><td bgcolor="#f2fff2"> Florence Savings Bank </td><td bgcolor="#f2fff2"> 85 MAIN STREET </td><td bgcolor="#f2fff2"> FLORENCE </td><td bgcolor="#f2fff2"> MA </td><td bgcolor="#f2fff2"> 01062-0000 </td><td align="center" bgcolor="#f2fff2"> O </td></tr><tr><td bgcolor="#f2fff2"> Benjamin Franklin Bank </td><td bgcolor="#f2fff2"> 58 MAIN STREET </td><td bgcolor="#f2fff2"> FRANKLIN </td><td bgcolor="#f2fff2"> MA </td><td bgcolor="#f2fff2"> 02038-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Equitable Co-operative Bank </td><td bgcolor="#f2fff2"> P.O. BOX 8079 </td><td bgcolor="#f2fff2"> LYNN </td><td bgcolor="#f2fff2"> MA </td><td bgcolor="#f2fff2"> 01904-0079 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Century Bank and Trust Company </td><td bgcolor="#f2fff2"> 400 MYSTIC AVE </td><td bgcolor="#f2fff2"> MEDFORD </td><td bgcolor="#f2fff2"> MA </td><td bgcolor="#f2fff2"> 02155-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Winchester Co-operative Bank </td><td bgcolor="#f2fff2"> 19 CHURCH STREET </td><td bgcolor="#f2fff2"> WINCHESTER </td><td bgcolor="#f2fff2"> MA </td><td bgcolor="#f2fff2"> 01890-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> K Bank </td><td bgcolor="#f2fff2"> P O BOX 406 </td><td bgcolor="#f2fff2"> RANDALLSTOWN </td><td bgcolor="#f2fff2"> MD </td><td bgcolor="#f2fff2"> 21133-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Saco & Biddeford Savings Institution </td><td bgcolor="#f2fff2"> P.O. BOX 557 </td><td bgcolor="#f2fff2"> SACO </td><td bgcolor="#f2fff2"> ME </td><td bgcolor="#f2fff2"> 04072-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Claremont Savings Bank </td><td bgcolor="#f2fff2"> 145 BROAD STREET </td><td bgcolor="#f2fff2"> CLAREMONT </td><td bgcolor="#f2fff2"> NH </td><td bgcolor="#f2fff2"> 03743-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> MARINERS BANK </td><td bgcolor="#f2fff2"> 935 RIVER ROAD </td><td bgcolor="#f2fff2"> EDGEWATER </td><td bgcolor="#f2fff2"> NJ </td><td bgcolor="#f2fff2"> 07020-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Citizens Bank of Cape Vincent </td><td bgcolor="#f2fff2"> BROADWAY </td><td bgcolor="#f2fff2"> CAPE VINCENT </td><td bgcolor="#f2fff2"> NY </td><td bgcolor="#f2fff2"> 13618-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Standard Bank, PaSB </td><td bgcolor="#f2fff2"> 2640 MONROEVILLE BLVD </td><td bgcolor="#f2fff2"> MONROEVILLE </td><td bgcolor="#f2fff2"> PA </td><td bgcolor="#f2fff2"> 15146-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> The Scottdale Bank & Trust Company </td><td bgcolor="#f2fff2"> 150 PITTSBURGH STREET </td><td bgcolor="#f2fff2"> SCOTTDALE </td><td bgcolor="#f2fff2"> PA </td><td bgcolor="#f2fff2"> 15683-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr></tbody></table> <table border="1" bordercolor="#b6b6b6" cellpadding="2" cellspacing="0" width="550"><tbody><tr bgcolor="#ebebeb" valign="top"><th scope="col" align="left" valign="top"> Bank Name </th><th scope="col" align="left" valign="top"> Street Address </th><th scope="col" align="left" valign="top"> City </th><th scope="col" align="left" valign="top"> ST </th><th scope="col" align="left" valign="top"> Zip </th><th scope="col" align="left" valign="top"> Rating </th></tr></tbody><caption> San Francisco Region (AK, AZ, CA, GU, HI, ID, MT, NV, OR, UT, WA, WY) </caption><tbody><tr><td bgcolor="#f2fff2"> First State Bank </td><td bgcolor="#f2fff2"> P. O. BOX 3780 </td><td bgcolor="#f2fff2"> FLAGSTAFF </td><td bgcolor="#f2fff2"> AZ </td><td bgcolor="#f2fff2"> 86003-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> 1st Bank Yuma </td><td bgcolor="#f2fff2"> 2799 SOUTH 4TH AVENUE </td><td bgcolor="#f2fff2"> YUMA </td><td bgcolor="#f2fff2"> AZ </td><td bgcolor="#f2fff2"> 85364-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Orange Community Bank </td><td bgcolor="#f2fff2"> 1045 WEST KATELLA AVENUE </td><td bgcolor="#f2fff2"> ORANGE </td><td bgcolor="#f2fff2"> CA </td><td bgcolor="#f2fff2"> 92867-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Ireland Bank </td><td bgcolor="#f2fff2"> P.O. BOX 186 </td><td bgcolor="#f2fff2"> MALAD CITY </td><td bgcolor="#f2fff2"> ID </td><td bgcolor="#f2fff2"> 83252-0186 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> USAA Savings Bank </td><td bgcolor="#f2fff2"> 3773 HOWARD HUGHES PARKWAY, #190N </td><td bgcolor="#f2fff2"> LAS VEGAS </td><td bgcolor="#f2fff2"> NV </td><td bgcolor="#f2fff2"> 89109-0000 </td><td align="center" bgcolor="#f2fff2"> O </td></tr><tr><td bgcolor="#f2fff2"> The Commerce Bank of Oregon </td><td bgcolor="#f2fff2"> 1211 SW 5TH AVENUE, SUITE 1250 </td><td bgcolor="#f2fff2"> PORTLAND </td><td bgcolor="#f2fff2"> OR </td><td bgcolor="#f2fff2"> 97204-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Magnet Bank </td><td bgcolor="#f2fff2"> 2825 EAST COTTONWOOD PARKWAY, SUITE 180 </td><td bgcolor="#f2fff2"> SALT LAKE CITY </td><td bgcolor="#f2fff2"> UT </td><td bgcolor="#f2fff2"> 84121-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr><tr><td bgcolor="#f2fff2"> Utah Community Bank </td><td bgcolor="#f2fff2"> 820 EAST 9400 SOUTH </td><td bgcolor="#f2fff2"> SANDY </td><td bgcolor="#f2fff2"> UT </td><td bgcolor="#f2fff2"> 84094-0000 </td><td align="center" bgcolor="#f2fff2"> S </td></tr></tbody></table> This article provided courtesy of <a href=http://creditfederal.com target=_new>www.CreditFederal.com</a>, a personal credit resource of good or bad credit credit cards and loans.

Credit Tip: Need a high limit for Christmas credit card charges? If you have bad credit, consider a personal loan by refinancing your mortgage. Even if you have cash to buy Christmas presents, we recommend using a prepaid card to make purchases because it's safer than carrying cash.