Certificates

Term Certificate Rate Information – Effective July 2017

 Term                                        Amount                        Rate                       APY

6 month                                   $500 +                            .10%                             .10%
12 month                                 $500 +                            .20%                             .19% *
18 month                                 $500 +                            .35%                             .35%
24 month                                 $500 +                            .45%                             .45%
36 month                                 $500 +                            .55%                             .55%
48 month                                 $500 +                            .75%                             .76%
60 month                                 $500 +                            .95%                             .95%

Certificate dividends now pay monthly on new share certificates and IRAs, except 6 month certificates which pay at maturity.

*  APY = Annual Percentage Yield * APY may be lower than rate depending on the average daily balance in the account for the dividend period.  Fees may reduce earnings.  Rates subject to change.

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