Certificates of Deposit 

The annual percentage yield stated below are 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	0.195%	0.20%	None	At Maturity
91 Day CD	1,000.00	1,000.00	0.395%	0.40%	None	At Maturity
182 Day CD	1,000.00	1,000.00	0.395%	0.40%	None	At Maturity
1 Year CD	500.00	500.00	0.600%	0.60%	None	At Maturity
18 Month	500.00	500.00	1.000%	1.00%	Annually	Annually
2 Year	500.00	500.00	1.300%	1.30%	Annually	Annually
2 1/2 Years	500.00	500.00	1.550%	1.55%	Annually	Annually
3 Years	500.00	500.00	1.950%	1.95%	Annually	Annually
4 Years	500.00	500.00	2.350%	2.35%	Annually	Annually
5 Years	500.00	500.00	2.900%	2.90%	Annually	Annually

Early Withdrawal Penalty

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.

Transactions Limitations
Partial withdraws of principal are not permitted during a term. Interest credited during a term may not be withdrawn.

Renewal Policy
Certificates will automatically renew at maturity. You have a grace period of seven (7) calendar days after the maturity date to withdraw the funds without being charged a penalty.

Accrual of Interest
Interest begins to accrue the business day you deposit non-cash items.