Certificate of Deposit
The accounts are offered in various TERMS with FIXED RATE MATURITIES. The interest rate will remain in effect until maturity of the certificate. The annual percentage yield assumes interest remains on deposit until maturity. A withdrawal will reduce earnings and the annual percentage yield.
To establish a certificate of deposit account, there is a required minimum deposit. You must maintain the minimum required balance in the account every day to obtain the annual percentage yield listed on the rate schedule, assuming no withdrawals.
Certificate of Deposit
| Term | Rate | Annual Percentage Yield | Minimum Balance |
| 6 Month | 0.79% | 0.80% | $500.00 |
| 1 Year | 1.32% | 1.35% | $500.00 |
| 18 Month | 1.42% | 1.45% | $500.00 |
| 2 Year | 1.76% | 1.80% | $500.00 |
| 4 Year | 2.44% | 2.50% | $500.00 |
| 5 Year | 2.87% | 2.95% | $500.00 |
Rates effective: 3/9/2010 Interest rates subject to change at any time without notice. |