Certificate Rates

Certificates

Term Certificates	$1,000 Minimum Dividend Rate	*APY	$50,000 Minimum Divident Rate	*APY
6 - 9 Months - Fixed	0.20%	0.20%	0%	0.30%
12 Months - Fixed	0.30%	0.30%	0%	0.40%
18 Months - Fixed	0.35%	0.35%	0%	0.45%
24 Months - Fixed	0.40%	0.40%	1%	0.55%
36 Months - Fixed	0.50%	0.50%	1%	0.65%
48 Months - Fixed	0.65%	0.65%	1%	0.75%
60 Months - Fixed	0.70%	0.70%	1%	0.80%

IRA Certificates

Term Certificates	$1,000 Minimum Dividend Rate	*APY	$50,000 Minimum Divident Rate	*APY
12 Months - Fixed	0.30%	0.30%	0%	0.40%
18 Months - Fixed	0.35%	0.35%	0%	0.45%
24 Months - Fixed	0.40%	0.40%	1%	0.55%
36 Months - Fixed	0.50%	0.50%	1%	0.65%
48 Months - Fixed	0.65%	0.65%	1%	0.70%
60 Months - Fixed	0.70%	0.70%	1%	0.80%

Annual Percentage Yield (APY) assumes that dividends remain in the account until maturity and a withdrawal will reduce earnings. A penalty will be imposed on early withdrawals from certificates.

Rates and Terms are subject to change without notice. Refer to Truth-in-Savings Disclosure for terms and conditions.