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Rates

Term Share / IRA Certificates

6 Month

Rates effective January 30, 2013
  Account Balance  Rate  APY
$500 to $2,499.15%.15%  
$2,500 to $9,999.20%.20%  
$10,000 to $49,999.25%.25%  
$50,000 & Over.30%.30%  
A penalty may be imposed for early withdrawal. The minimum daily balance to open the account and to earn the disclosed Annual Percentage Yield is $500. The Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. IRA funds may also be transferred to a certificate.
APY= Annual Percentage Yield
All rates and policies are subject to change without notice.
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12 Month

Rates effective January 30, 2013
  Account Balance  Rate  APY
$500 to $2,499.35%.35%  
$2,500 to $9,999.40%.40%  
$10,000 to $49,999.45%.45%  
$50,000 & Over.50%.50%  
A penalty may be imposed for early withdrawal. The minimum daily balance to open the account and to earn the disclosed Annual Percentage Yield is $500. The Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. IRA funds may also be transferred to a certificate.
APY= Annual Percentage Yield
All rates and policies are subject to change without notice.
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24 Month

Rates effective January 30, 2013
  Account Balance  Rate  APY
$500 to $2,499.55%.55%  
$2,500 to $9,999.60%.60%  
$10,000 to $49,999.65%.65%  
$50,000 & Over.70%.70%  
A penalty may be imposed for early withdrawal. The minimum daily balance to open the account and to earn the disclosed Annual Percentage Yield is $500. The Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. IRA funds may also be transferred to a certificate.
APY= Annual Percentage Yield
All rates and policies are subject to change without notice.
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36 Month

Rates effective January 30, 2013
  Account Balance  Rate  APY
$500 to $2,499.70%.70%  
$2,500 to $9,999.80%.80%  
$10,000 to $49,999.90%.90%  
$50,000 & Over1.00%1.00%  
A penalty may be imposed for early withdrawal. The minimum daily balance to open the account and to earn the disclosed Annual Percentage Yield is $500. The Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. IRA funds may also be transferred to a certificate.
APY= Annual Percentage Yield
All rates and policies are subject to change without notice.
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48 Month

Rates effective January 30, 2013
  Account Balance  Rate  APY
$500 to $2,4991.05%1.05%  
$2,500 to $9,9991.15%1.15%  
$10,000 to $49,9991.25%1.26%  
$50,000 & Over1.35%1.36%  
A penalty may be imposed for early withdrawal. The minimum daily balance to open the account and to earn the disclosed Annual Percentage Yield is $500. The Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. IRA funds may also be transferred to a certificate.
APY= Annual Percentage Yield
All rates and policies are subject to change without notice.
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60 Month

Rates effective January 30, 2013
  Account Balance  Rate  APY
$500 to $2,4991.25%1.26%  
$2,500 to $9,9991.35%1.36%  
$10,000 to $49,9991.45%1.46%  
$50,000 & Over1.55%1.56%  
A penalty may be imposed for early withdrawal. The minimum daily balance to open the account and to earn the disclosed Annual Percentage Yield is $500. The Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. IRA funds may also be transferred to a certificate.
APY= Annual Percentage Yield
All rates and policies are subject to change without notice.
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