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Announcing the All Savers Certificate. This new variety of certificate is a one year instrument that pays savers 70% of the yield on one year U.S. Treasury bills. Savers can then exclude up to $1000. of interest on individual Federal tax returns or $2000. of interest on joint Federal tax returns. This new one year All Savers Certificate will be offered for a fifteen month period from October 1, 1981 through December 31, 1982. The minimum deposit is $500. Your savings deposits are fully insured up to $100,000. by the FSLIC. A new rate will be established monthly.When you open an All Savers Certificate you will be guaranteed that rate for the full year of the certificate. We have provided a chart here to give you an idea of what rate of return on alternative investments you would have to receive to net the new All Savers Certificate rate after Federal income taxes. All Savers Certificate Rate October 1 through October 3 Here's what Ikx Interest can 12.61 % Free to you. Individual net taxable income ranges Joint net taxable income ranges 4 Marginal tax rate The interest rate you'd have to receive to net 12.61%* after Federal income Tax is: $15,000-18.200 30% 18.01% $24,600-29.900 32% 18.54% $18,200-23,500 34% 19.10% $29,900-35.200 37% 20.01% $23,500-28.800 39% 20.67% $35,200-45.800 43% 22.12% $28,800-34.100 44% 22.51% $34,100-41,500 $45,800-60,000 49% 24.72% All comparisons are based 0n 'j 1980 Federal Income Tax tables and all figures are approximate Taxable equivalent rates for 1982 should be slightly less because of somewhat lower tax brackets under the new tax law. Marengo Federal Savings is not acting as a tax advisor. Individuals should evaluate their own tax positions. A substantial penalty applies to early withdrawals. As always we will be offering this new All Savers Certificate with the highest rate allowed by law •Future monthly rates may be higher or lower. A change in future rates will change the projections given Six Month Money Market Certificates. If you presently have a six month Money Market Certificate you can transfer the whole amount (principal plus interest) to the new All Savers Certificate with NO penalty! Call or stop in today! Marengo Federal Savings ̂ and loan association MARENGO: 200 E. Grant Highway, 815/568-7258 • McHEISIRY: 4400 Wi Route 120, 815/344-1900 • WOODSTOCK: 118 Cass Street, 815/338-2900 WOODSTOCK DRIVE-UP: Route 47 and Calhoun Street, 815/338-7440 • CRYSTAL LAKE: 550 Barley Rd. on Rt. #14,815/455-4300