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Rates             Effective as of: 5/20/2013
 
Certificate of Deposit Account Rates
Term Amount Interest Rate *APY
30 to 59 Days $1,000.00 to $97,999.99 0.10% 0.10%
60 to 89 Days $1,000.00 to $97,999.99 0.15% 0.15%
90 to 119 Days $1,000.00 to $97,999.99 0.15% 0.15%
120 to 179 Days $1,000.00 to $97,999.99 0.25% 0.25%
180 to 364 Days $1,000.00 to $97,999.99 0.35% 0.35%
365 Days $1,000.00 to $97,999.99 0.50% 0.50%
18 Months $1,000.00 to $97,999.99 0.50% 0.50%
24 Months $1,000.00 to $97,999.99 0.50% 0.50%
       
30 to 59 Days $98,000.00 and OVER 0.15% 0.15%
60 to 89 Days $98,000.00 and OVER 0.15% 0.15%
90 to 119 Days $98,000.00 and OVER 0.20% 0.20%
120 to 179 Days $98,000.00 and OVER 0.25% 0.25%
180 to 364 Days $98,000.00 and OVER 0.40% 0.40%
365 Days $98,000.00 and OVER 0.50% 0.50%
18 Months $98,000.00 and OVER 0.50% 0.50%
24 Months $98,000.00 and OVER 0.50% 0.50%
       






 *ANNUAL PERCENTAGE YIELD
 *SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL
 INTEREST RATES SUBJECT TO CHANGE WITHOUT NOTICE
ACCOUNT FEES MAY REDUCE EARNINGS 
 
 FOR FURTHER INFORMATION PLEASE SEE A CUSTOMER SERVICE REPRESENTATIVE