Regular and IRA Certificates of Deposit

Regular and IRA Certificates of Deposit

Rates are current and APY is accurate as of October 27, 2014

TermMinimum Balance to Earn Stated APYInterest RateAPY
91 Days*$0-$2,499.990.05%0.05%
$2,500.00-$9,999.990.05%0.05%
$10,000.00 and over0.10%0.10%
182 Days*$0-$2,499.990.05%0.05%
$2,500.00-$9,999.990.10%0.10%
$10,000.00 and over0.15%0.15%
1 Year**$0-$2,499.990.15%0.15%
$2,500.00-$9,999.990.20%0.20%
$10,000.00 and over0.25%0.25%
18 months**$0-$2,499.990.15%0.15%
$2,500.00-$9,999.990.25%0.25%
$10,000.00 and over0.30%0.30%
2 Years**$0-$2,499.990.40%0.40%
$2,500.00-$9,999.990.45%0.45%
$10,000.00 and over0.50%0.50%
3 Years***$0-$2,499.990.55%0.55%
$2,500.00-$9,999.990.60%0.60%
$10,000.00 and over0.65%0.65%
4 Years***$0-$2,499.990.70%0.70%
$2,500.00-$9,999.990.75%0.75%
$10,000.00 and over0.85%0.85%

Note: “APY” is the abbreviation for Annual Percentage Yield.
Note: Minimum opening deposit for all regular and IRA Certificates of Deposit is $500.00.
Note: Stated APY will apply to the entire balance of the Certificate.
*Early withdrawal penalty may be the loss of 1 month’s interest
** Early withdrawal penalty may be the loss of 3 month’s interest
*** Early withdrawal penalty may be the loss of 6 month’s interest
Each Depositor insured to at least $250,000