Certificates


		Information below is effective May 23, 2013, Interest rates and terms are subject to change at any time. Fees may reduce earnings.

			Certificates of Deposit (including IRA's)


	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
24 Month	0.60%	0.60%	$1,000.00
36 Monthe	0.85%	0.85%	$1,000.00
60 Month	1.19%	1.19%	$1,000.00


	APY stand for "Annual Percentage Yield" Member FDIC