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Certificates - Regular and IRA

Certificates - Regular and IRA Effective Date: January 19, 2012 Rates subject to change
Fixed Rate $500-$9999 APY* $10,000 & over APY*
3 Months 0.10 %  0.10 %  0.20 %  0.20 % 
6 Months 0.20 %  0.20 %  0.35 %  0.35 % 
12 Months 0.30 %  0.30 %  0.55 %  0.55 % 
24 Months 0.65 %  0.65 %  0.80 %  0.80 % 
36 Months 0.95 %  0.95 %  1.10 %  1.11 % 
48 Months 1.30 %  1.31 %  1.45 %  1.46 % 
60 Months 1.55 %  1.56 %  1.75 %  1.76 % 

  • College CD - 0.50% APY* - 0.50% - Term 1 to 18 years
  • Minimum to open $100
  • Index Chase prime minus 2.75%
  • (APY is based on an opening of $100 and term of 12 months)
  • 18-Month IRA Variable - 0.20% APY* 0.20%
  • Interest Floor is current statement savings rate - minimum deposit to open $25.00
  • Index - 4-week average 24-month T-note rate rounded to nearest 1/10th, minus 0.50%

*APY stands for Annual Percentage Yield*

**Rates are subject to change** 

-Substantial consideration for early withdrawal.
A consideration of one month’s simple interest for any term up to and including twelve months.
A consideration of three month’s simple interest for any term over twelve months up to and including fifty-nine months.
There will be six month’s simple interest consideration for any certificate with a term of sixty months.
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