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Rates Effective January 1, 2009
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Certificates /IRA Certificates (Traditional, Roth, and Education)
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Dividend Rate
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APY*
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Term
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6 Month Certificate $1,000 - $9,999.99 (not available for IRAs)
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2.10
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2.12
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6
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1 Year Certificate $1,000 - $9,999.99 ($500 minimum for Education IRAs)
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2.40
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2.42
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12
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2 Year Certificate $1,000 - $9,999.99 ($500 minimum for Education IRAs)
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2.60
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2.63
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24
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3 Year Certificate $1,000 - $9,999.99 ($500 minimum for Education IRAs)
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2.70
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2.73
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36
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ALL RATES SUBJECT TO CHANGE AT ANY TIME.*APY is the Annual Percentage Yield. There is a penalty for early withdrawal of funds from any Share Certificate. Dividends are credited and compounded monthly.
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