Rates

CERTIFICATE OF DEPOSIT RATES

Certificate
of Deposit
Minimum
Deposit
Interest
Rate
Annual
Percentage
Yield (APY)
91 Days * $200 .12 .12
5 Months * Special $200 .25 .25
182 Days * $200 .17 .17
12 Months ** $200 .22 .22
15 Months *** Special $200 .30 .30
18 Months ***
(includes one-time optional rate increase)
$2,500 .30 .30
24 Months *** $200 .37 .37
30 Months ****
(includes two-time optional rate increase)
$2,500 .35 .35
33 Months **** Special $200 .45   .45
36 Months **** $200 .40 .40
48 Months **** $200 .80 .80
60 Months **** $200 .85 .85

IRA RATES

IRA Minimum
Deposit
Interest
Rate
Annual
Percentage
Yield (APY)
12 Months ** $200 .22 .22
15 Months *** Speical $200 .30 .30
18 Months ***
(includes one-time optional rate increase)
$2,500 .30 .30
24 Months *** $200 .37 .37
30 Months ****
(includes two-time optional rate increase)
$2,500 .35 .35
33 Months **** Special $200 .45 .45
36 Months **** $200 .40 .40
48 Months **** $200 .80 .80
60 Months **** $200 .85 .85

 Last Rate Change: December 5, 2013

* A penalty of 30 days interest may be imposed for early withdrawal.

** A penalty of 91 days interest may be imposed for early withdrawal.

*** A penalty of 182 days interest may be imposed for early withdrawal.

**** A penalty of 365 days interest may be imposed for early withdrawal.

 Minimum  early withdrawal penalty of $25.00 for all CD terms.



Interest rates and APY's may change daily.