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FINANCIAL PLANNING

Share Certificates

Certificates earn dividends at higher rates than share savings accounts, but require you to lock in your money for a predetermined maturity period. Longer maturity periods mean larger dividends.

CERTIFICATE ACCOUNTS
TERM
RATE APY*
6-Month Certificate 0.25 0.25
1-Year Certificate 0.35 0.35
2-Year Certificate .65 .65
3-Year Certificate 1.00 1.00
4-Year Certificate 1.10 1.10
5-Year Certificate 1.50 1.51

Rates effective as of 2/01/12. ALL RATES SUBJECT TO CHANGE AT ANY TIME.

*APY = Annual Percentage Yield Dividends are based on average daily balance and are paid monthly.

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