Certificate Rates

Certificates	Rate	APY*	Term
Share Certificate Min. Bal. $1000-91 Day	0.400	0.400	3
Share Certificate Min. Bal. $1000-6 Months	0.650	0.650	6
Share Certificate Min. Bal. $1000-1 Yr	0.850	0.850	12
Share Certificate Min. Bal. $1000-1.5 Yr	1.140	1.150	18
Share Certificate Min. Bal. $1000-2.5 Yr	1.540	1.550	30
Share Certificate Min. Bal. $1000-4 Yr	2.180	2.200	48
Share Certificate Min. Bal. $1000-5 Yr	2.470	2.500	60
Investor Cert. Min. Bal. $5K-6 Months	0.700	0.700	6
Investor Cert. Min. Bal. $10K-6 Months	0.750	0.750	6
IRA Share Cert. Min. Bal. $1000-6 Months	0.650	0.650	6
IRA Share Cert. Min. Bal. $1000-1 Yr	0.850	0.850	12
IRA Share Cert. Min. Bal. $1000-2 Yr	1.240	1.250	24
IRA Share Cert. Min. Bal. $1000-3 Yr	1.880	1.900	36
IRA Share Cert. Min. Bal. $1000-5 Yr	2.470	2.500	60
IRA Share Cert. Min. Bal. $1000-7 Yr	2.560	2.600	84
Coverdell ESA S/C Min Bal. $1000-6 Months	0.650	0.650	6
Coverdell ESA S/C Min Bal. $1000-1 Yr	0.850	0.850	12
Coverdell ESA S/C Min Bal. $1000-2 Yr	1.240	1.250	24
Coverdell ESA S/C Min Bal. $1000-3 Yr	1.880	1.900	36
Coverdell ESA S/C Min Bal. $1000-5 Yr	2.470	2.500	60
Coverdell ESA S/C Min Bal. $1000-7 Yr	2.560	2.600	84

*APY = Annual Percentage Yield

• For this account type, the dividend period is monthly.
  
• Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period.
  
• Minimum balance requirements may apply to receive the listed APY and are listed above for each account.
  
• You must maintain the applicable average daily balance in your account to obtain the disclosed APY.
  
• A penalty may be imposed for withdrawals before maturity.
  
• The APY is based on the assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.
  
• If your account has an original maturity of less than three years: the penalty that we may impose will be 92 days dividends whether earned or not.
  
• If your account has an original maturity of three or more years: the penalty that we may impose will be 183 days dividends whether earned or not.

Savings Rates