Rates current as of July 25, 2014.

CERTIFICATES OF DEPOSIT APY* Rate
3 months 0.05% 0.05%
6 months 0.10% 0.10%
12 months 0.25% 0.25%
24 months 0.40% 0.40%
36 months 0.65% 0.65%
48 months 0.75% 0.75%
60 months 0.85% 0.85%
INDIVIDUAL RETIREMENT ACCOUNTS    APY* Rate
18 Month Fixed .25% .25%
18 Month Variable .25% .25%

Rates subject to change without notice.

*Annual Percentage Yield. The APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.

Minimum Balance Requirement: A minimum deposit of $1,000.00 is required to open the account, and you must maintain a minimum balance of $1,000.00 on a daily basis to earn the APY.

CD Early Withdrawal Penalty: Withdrawals made before the maturity date may result in the following penalties:
      Term
< 12 months
12 months & greater
Penalty
6 months’ interest
12 months’ interest

IRA Early Withdrawal Penalty: Withdrawals before age 59-1/2 may be subject to a penalty of 6 months’ interest on the amount withdrawn. This penalty will be calculated using the rate in effect at the time of withdrawal.


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