Certificate Rates

Certificates	Rate	APY*	Term
Share Certificate Min. Bal. $1000-91 Day	0.300	0.300	3
Share Certificate Min. Bal. $1000-6 Months	0.450	0.450	6
Share Certificate Min. Bal. $1000-1 Yr	0.550	0.550	12
Share Certificate Min. Bal. $1000-1.5 Yr	0.600	0.600	18
Share Certificate Min. Bal. $1000-2.5 Yr	0.950	0.950	30
Share Certificate Min. Bal. $1000-4 Yr	1.590	1.600	48
Share Certificate Min. Bal. $1000-5 Yr	1.880	1.900	60
Investor Cert. Min. Bal. $5K-6 Months	0.550	0.550	6
Investor Cert. Min. Bal. $10K-6 Months	0.600	0.600	6
IRA Share Cert. Min. Bal. $1000-6 Months	0.450	0.450	6
IRA Share Cert. Min. Bal. $1000-1 Yr	0.550	0.550	12
IRA Share Cert. Min. Bal. $1000-2 Yr	0.800	0.800	24
IRA Share Cert. Min. Bal. $1000-3 Yr	1.190	1.200	36
IRA Share Cert. Min. Bal. $1000-5 Yr	1.880	1.900	60
IRA Share Cert. Min. Bal. $1000-7 Yr	1.980	2.000	84
Coverdell ESA S/C Min Bal. $1000-6 Months	0.450	0.450	6
Coverdell ESA S/C Min Bal. $1000-1 Yr	0.600	0.600	12
Coverdell ESA S/C Min Bal. $1000-2 Yr	0.900	0.900	24
Coverdell ESA S/C Min Bal. $1000-3 Yr	1.390	1.400	36
Coverdell ESA S/C Min Bal. $1000-5 Yr	2.030	2.050	60
Coverdell ESA S/C Min Bal. $1000-7 Yr	2.120	2.150	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