All our Certificates of Deposit:

• Are automatically renewable to save you time and paperwork.
• Can be printed on your monthly checking statement for your convenience.

NEW 15-month Easy Access CD
A traditional time deposit with non-traditional flexibility.

• Two no penalty partial withdrawals of principle are allowed during the 15-month term, as long as $3000 remains on deposit throughout the term.*
• Additional deposits of $100 or more are allowed anytime.
• The interest rate is fixed to maturity and compounded daily.

* Forfeit seven (7) days interest on amounts withdrawn within the first six (6) days after any deposit or within six (6) days after the most recent partial withdrawal.

Fixed Rate Certificates
For the investor who wants to lock in a guaranteed rate of return.

• The interest rate is fixed to maturity and compounded daily.
• Maturities are available from 7 days to 5 years.
• $1,000.00 minimum opening deposit required ($100,000.00 minimum for terms of 7 to 90 days).

Variable Rate Certificates
If you want more from a CD, this variable rate option lets you take advantage of current market conditions.

• Interest is compounded daily.
• 12-month maturity.
• Interest rate is set monthly based on the 3-month Treasury Bill Average Auction Deposit Rate, plus at least 1/8%.
• Add $500.00 or more to your certificate at any time, or use automatic deposit to make additions of $50.00 or more.
• $1,000.00 minimum opening deposit required.

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