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Certificate Rates

Certificate Rates as of: 11/17/09

Term Interest Rate Annual Percentage Yield

Certificate of Deposit Accounts

91 Day 1.00% 1.00%
182 Day 1.30% 1.30%
12 Month 1.70% 1.71%
15 Month 1.80% 1.82%
18 Month 2.00% 2.02%
24 Month 2.20% 2.22%
30 Month 2.40% 2.43%
60 Month 3.25% 3.30%

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.