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TERM Nominal Rate APY Minimum Balance
3 Months 1.50% 1.51% $500.00
6 Months 2.00% 2.02% $500.00
12 Months 2.50%

2.53%

$500.00
18 Months 2.60% 2.64% $500.00
24 Months 2.75% 2.79% $500.00
36 Months 2.95% 2.99% $500.00
48 Months 3.10% 3.15% $500.00
60 Months 3.25% 3.30% $500.00
JUMBO 1-4 Months 2.50% 2.54% $50,000.00
JUMBO 6-12 Months 2.75% 2.79% $50,000.00

All certificate dividends are compounded daily, and the dividends are credited monthly. Rates are subject to change without notice. Early withdrawals are permitted subject to a penalty which may reduce the principal. The feature to add to existing CDs is no longer available.








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2007 Annual Report