Certificates of Deposit 

The annual percentage yield below is accurate as of the last business date.

TERM	MINIMUM TO OPEN	MINIMUM TO EARN APY	INTEREST RATE	APY	FREQUENCY OF COMPOUND	INTEREST CREDITED
31 Day CD	1,000.00	1,000.00	0.146%	0.15%	None	At Maturity
91 Day CD	1,000.00	1,000.00	0.195%	0.20%	None	At Maturity
182 Day CD	1,000.00	1,000.00	0.245%	0.25%	None	At Maturity
1 Year CD	500.00	500.00	0.300%	0.30%	None	At Maturity
18 Month	500.00	500.00	0.600%	0.60%	Annually	Annually
2 Year	500.00	500.00	0.850%	0.85%	Annually	Annually
2 1/2 Years	500.00	500.00	1.100%	1.10%	Annually	Annually
3 Years	500.00	500.00	1.400%	1.40%	Annually	Annually
4 Years	500.00	500.00	1.900%	1.90%	Annually	Annually
5 Years	500.00	500.00	2.250%	2.25%	Annually	Annually

Effects on Closing an Account

If you close your account before interest is credited, you may receive the accrued interest.  Accrued interest will not be paid 7 calendar days after maturity unless CD is renewed.  Partial withdrawls of principal and/or interest are not permitted during a term.  The following penalty may be imposed for withdrawals before maturity date. 

TERM	PENALTY
31 Day CD	31 Day Interest Penalty
91 Day CD	31 Day Interest Penalty
182 Day CD	90 Day Interest Penalty
1 Year CD	6 Month Interest Penalty
18 Month CD	12 Month Interest Penalty
2 Year CD	12 Month Interest Penalty
2 1/2 Year CD	18 Month Interest Penalty
3 Year CD	18 Month Interest Penalty
4 Year CD	18 Month Interest Penalty
5 Year CD	18 Month Interest Penalty

Balance Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of Interest on Non-cash Deposits
Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

Additions to the Account
You may not make any deposits into your account until maturity.

Automatic Renewal
This account will automatically renew at maturity.  You will have 7 calendar days after the maturity date to withdraw funds without penalty. 

Exceptions to Automatic Renewal
This account will not renew if you withdraw the funds on the maturity date or if we receive written notice from you on or before the maturity date of your intention not to renew.

Renewal Terms
Each renewal term will be the same as the original term, beginning on the maturity date.

Different Interest Calculation                                                                                                                                                                                                                      The interest rate will be the same rate we offer on new time deposits on the maturity date wich have the same term minimum balance (if any) and other features as the original time deposit.