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Share Certificates

Share Certificates

APY = Annual Percentage Yield. This rate will be paid until the certificate matures. Your certificate will automatically renew at the rate in effect at the time of maturity unless we are contacted on the maturity date, before the maturity date or during the grace period. Upon renewal, the term will be the same as the original term. You have (5) five calendar days after maturity to redeem your certificate without penalty if you do not want to renew. A penalty will be imposed for early withdrawal. A minimum daily balance must be maintained in order to earn the disclosed APY.

Share Certificates

Type	Dividend Rate	APY	Term	Minimum Deposit
Term Share Certificate	.90	.90	6	$2,000
Term Share Certificate	.90	.90	12	$500
Term Share Certificate	1.20	1.21	12	$2,000
Term Share Certificate	1.65	1.66	18	$2,000
Term Share Certificate	1.90	1.92	24	$2,000
Term Share Certificate	2.25	2.27	30	$2,000
Term Share Certificate	2.30	2.32	33	$1,000
Term Share Certificate	2.40	2.43	36	$1,000
Term Share Certificate	2.60	2.63	48	$1,000
Term Share Step-up Certificate	2.85	2.89	59	$5,000
Term Share Certificate	3.00	3.04	60	$1,000
Jumbo Certificate (20 basis point over basic rate)	n/a	n/a	n/a	$75,000
SUPER Jumbo Certificate (45 basis points over basic rate)	n/a	n/a	n/a	$250,000

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Traditional IRA

Type	Dividend Rate	APY	Term	Minimum Deposit
IRA Share Tiered Rate Less than $25,000.00	.75	.75	n/a	n/a
IRA Share Tiered Rate $25,000.01 to $50,000.00	.90	.75-.83	n/a	n/a
IRA Share Tiered Rate $50,000.01 to $100,000.00	1.40	.83-1.12	n/a	n/a
IRA Share Tiered Rate $100,000.01 and greater	2.25	1.12-2.22	n/a	n/a
IRA Share Certificate	.90	.90	6	$2,000
IRA Share Certificate	1.20	1.21	12	$2,000
IRA Share Certificate	1.65	1.66	18	$2,000
IRA Share Certificate	1.90	1.92	24	$2,000
IRA Share Certificate	2.25	2.27	30	$2,000
IRA Share Certificate	2.30	2.32	33	$2,000
IRA Share Certificate	2.40	2.43	36	$2,000
IRA Share Certificate	2.60	2.63	48	$2,000
IRA Share Step-up Certificate	2.85	2.89	59	$5,000
IRA Share Certificate	3.00	3.04	60	$2,000
Jumbo Certificate (20 basis points over basic rate)	n/a	n/a	n/a	$75,000
SUPER Jumbo Certificate (45 basis points over rate)	n/a	n/a	n/a	$250,000

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Roth and Coverdell IRA

Type	Dividend Rate	APY	Term	Minimum Deposit
Roth and Coverdell IRA Share Tiered Rate Less Than $25,000.00	.75	.75	n/a	n/a
Roth and Coverdell IRA Share Tiered Rate $25,000.01 to $50,000.00	.90	.75-.83	n/a	n/a
Roth and Coverdell IRA Share Tiered Rate $50,000.01 to $100,000.00	1.40	.83-1.12	n/a	n/a
Roth anc Coverdell IRA Share Tiered Rate $100,000.01 and greater	2.25	1.12-2.22	n/a	n/a
Roth/Coverdell IRA Share Certificate	.90	.90	6	$500
Roth/Coverdell IRA Share Certificate	1.20	1.21	12	$500
Roth/Coverdell IRA Share Certificate	1.65	1.66	18	$500
Roth/Coverdell IRA Share Certificate	1.90	1.92	24	$500
Roth/Coverdell IRA Share Certificate	2.25	2.27	30	$500
Roth/Coverdell IRA Share Certificate	2.30	2.32	33	$500
Roth/Coverdell IRA Share Certificate	2.40	2.43	36	$500
Roth/Coverdell IRA Share Certificate	2.60	2.63	48	$500
Roth/Coverdell IRA Step-up Certificate	2.85	2.89	59	$5,000
Roth/Coverdell IRA Share Certificate	3.00	3.04	60	$500
Jumbo Certificate (20 basis points over basic rate)	n/a	n/a	n/a	$75,000
SUPER Jumbo Certificate (45 basis points over basic rate)	n/a	n/a	n/a	$250,000

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