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SHARE CERTIFICATES

Penalty incurred for early withdrawal

Term

Minimum Deposit

Dividend Rate

APY*

 6 Months

$500.00

0.60%

0.61%

12 Months

12 Months (Tiered Minimum)

$1000.00

$10,000.00

0.90%

0.95%

0.91%

0.96%

Organization 12 Months

$1,000.00

0.70%

0.70%

24 Months

24 Months (Tiered Minimum)

$1,000.00

$10,000.00

1.15%

1.20%

1.16%

1.21%

36 Months

36 Months (Tiered Minimum)

$1,000.00

$10,000.00

1.30%

1.40%

1.31%

1.41%

(Certificate) 12 Months

$50,000.00

see member services

see member services

(Jumbo Certificate) 12 months

$100,000.00

see member services

see member services

* APY = Annual Percentage  Yield. Interest will compound monthly to the certificate, will pay to another account, or will accrue until maturity.

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