Certificates
Term Certificate Rate Information – Effective May 2013
Term Amount Rate APY
6 month $500 + .15% .15%
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.
APR = Annual Percentage Rate – 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.
