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Certificate Rates

Certificate Rates as of: 01/31/12

Term Interest Rate Annual Percentage Yield

Certificate of Deposit Accounts

91 Day 0.30% 0.30%
182 Day 0.40% 0.40%
12 Month 0.60% 0.60%
15 Month 0.60% 0.60%
18 Month 0.80% 0.80%
24 Month 0.90% 0.90%
30 Month 1.00% 1.00%
60 Month 1.70% 1.71%

Certificate Of Deposit accounts require a $1000.00 minimum balance to open and earn the stated APY.

A penalty may be imposed for early withdrawal on all Certificates of Deposit.