Certificate of Deposit Rates

Rates effective:  01/19/2014 through 01/25/2015

Term APY Minimum Balance to Open
60 month CD 1.10% $500
36 Month CD 0.60% $500
12 month CD 0.30% $500
5 month Ready Access CD** 0.15% $500
58 month CD*** 2.00% $500

 APY = Annual Percentage Yield

APY is accurate and available as of the date shown and is available to retail and business customers. Minimum opening deposit $500; maximum $250,000. Penalty imposed for early withdrawal. Rates subject to change without prior notice. Upon maturity CDs will automatically renew into a similar term at the rate that is current at the time of renewal unless you direct us otherwise.

**Not applicable for an IRA. Funds for the Ready Access CD must remain on deposit at least seven days after which a full withdrawal of the principal balance plus accrued interest is allowable without penalty. A withdrawal prior to maturity will reduce earnings.

***58 month CD special is not applicable for an IRA.

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