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Certificates of Deposit Rates


Rates Effective as of 12/23/08
 
Account Annual Percentage Yield (APY) Minimum to Open Interest Rate Compounding Method
3 Month CD 1.43% $1,000.00 1.42% Daily
6 Month CD 2.22% $1,000.00 2.20% Daily
12 Month CD 2.43% $1,000.00 2.40% Daily
18 Month CD 2.58% $1,000.00 2.55% Daily
24 Month CD 2.63% $1,000.00 2.60% Daily
30 Month CD 2.69% $1,000.00 2.65% Daily
36 Month CD 2.74% $1,000.00 2.70% Daily
42 Month CD 2.65% $1,000.00 2.62% Daily
48 Month CD 2.74% $1,000.00 2.70% Daily
60 Month CD 3.10% $1,000.00 3.05% Daily
Any Annual Percentage Yield (APY) provided in this disclosure assumes interest will remain on deposit until maturity, for accounts with terms, or for at least one year, for accounts with no terms. A withdrawal will reduce earnings. A penalty will or may be imposed for early withdrawal. Fixed rates for accounts with specific maturities are in effect until maturity. Balance to earn minimum APY on all accounts ($0). Rates for variable rate accounts are in effect through the effective period disclosed above. Any fees imposed could reduce earnings on the account.
 

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