Certificates

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Information below is effective March 12, 2014,  Interest rates and terms are subject to change at any time.  Fees may reduce earnings.

Certificates of Deposit (including IRA's)

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Note:  Substantial early withdrawal penalties apply to certificates of deposit.

Term

Interest Rate

APY

Minimum Daily Balance to Obtain Annual Percentage Yield*

3 Month

0.10%

0.10%

$1,000.00

6 Month

0.20%

0.20%

$1,000.00

12 Month

0.40%

0.40%

$1,000.00

13 Month Specials

0.55%

0.55%

$1,000.00

18 Month Specials

0.65%

0.65%

$1,000.00

24 Month

0.85%

0.85%

$1,000.00

28 Month Specials

0.90%

0.90%

$1,000.00

36 Month

1.00%

1.01%

$1,000.00

60 Month

1.29%

1.30%

$1,000.00

APY stand for "Annual Percentage Yield"
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