Share Certificate Rates

With all of these accounts, dividends accrue daily and are paid monthly. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Fees may reduce earnings.

Annual Percentage Yield Effective Date: 08/05/15

Certificates

Term
Dividend Rate
APY* Minimum Opening Balance/
Mininum Balance to Earn

3 Months 0.15% 0.15% $500
6 Months 0.20% 0.20% $1000
12 Months 0.25% 0.25% $1000
18 Months 0.45% 0.45% $1000
24 Months 0.50% 0.50% $1000
30 Months 0.65% 0.65% $1000
36 Months 0.85% 0.85% $1000
48 Months 1.09% 1.10% $1000
60 Months 1.29% 1.30% $1000
A penalty will be imposed for early withdrawal.

*APY = Annual Percentage Yield. The dividend rate and APY are subject to change without notice.