CERTIFICATE TERM	Rate	APY	MINIMUM DEPOSIT
6 Month CD*	3.60%	3.65%	$500.00
6 Month CD*	3.65%	3.70%	$10,000.00
1 Year CD*	3.85%	3.91%	$500.00
1 Year CD*	3.90%	3.96%	$10,000.00
18 Month CD*	3.70%	3.75%	$500.00
18 Month CD*	3.75%	3.80%	$10,000.00
2 Year CD*	3.50%	3.55%	$500.00
2 Year CD*	3.55%	3.60%	$10,000.00
3 Year CD*	3.25%	3.29%	$500.00
3 Year CD*	3.30%	3.34%	$10,000.00
4 Year CD*	2.75%	2.78%	$500.00
4 Year CD*	2.80%	2.83%	$10,000.00
5 Year CD*	2.50%	2.52%	$500.00
5 Year CD*	2.55%	2.57%	$10,000.00
6 Month IRA CD*	3.60%	3.65%	$500.00
6 Month IRA CD*	3.65%	3.70%	$4,000.00
1 Year IRA CD*	3.85%	3.91%	$500.00
1 Year IRA CD*	3.90%	3.96%	$4,000.00
18 Month IRA CD*	3.70%	3.75%	$500.00
18 Month IRA CD*	3.75%	3.80%	$4,000.00
2 Year IRA CD*	3.50%	3.55%	$500.00
2 Year IRA CD*	3.55%	3.60%	$4,000.00
3 Year IRA CD*	3.25%	3.29%	$500.00
3 Year IRA CD*	3.30%	3.34%	$4,000.00
4 Year IRA CD*	2.75%	2.78%	$500.00
4 Year IRA CD*	2.80%	2.83%	$4,000.00
5 Year IRA CD*	2.50%	2.52%	$500.00
5 Year IRA CD*	2.55%	2.57%	$4,000.00

NO COMPOUNDING OF CERTIFICATE INTEREST WHEN TRANSFER OPTION CHOSEN. (APY WILL NOT APPLY) *Penalty for early withdrawal 90 days interest. Penalty may reduce principal. APY= Annual Percentage Yield.