Certificates

Certificate Term APY* %
Regular and IRA Certificates - minimum deposit $500
6 Month 1.50 %
12 Month 2.00 %
15 Month 2.00 %
24 Month 2.25 %
36 Month 2.50 %
48 Month 2.75 %
60 Month 3.00 %
84 Month 3.10 %
120 Month 3.15 %
Jumbo Certificates - minimum deposit $50,000
12 Month 2.05 %
36 Month 2.55 %
60 Month 3.05 %

*APY = Annual Percentage Yield. APY is subject to change without notice.

A penalty may be imposed for early withdrawals. If the certificate is redeemed prior to the maturity date the following penalty will apply: If the term is 6 months or less – the lesser of dividends earned since issuance or renewal or 90 days dividends; if the term is over 6 months to 60 months – the lesser of dividends earned since issuance or renewal or 180 days dividends; if the term is greater than 60 months –the lesser of dividends earned since issuance or renewal or 1095 days dividends. There is no penalty for withdrawals as a result of the death of any owner. If the certificate is redeemed within 10 days of renewal, no penalty will apply.

Fees could reduce earnings on the account.