Rates - CD/IRA

EFFECTIVE 1/06/2012

Certificate of Deposits & IRA Rates*
Currently Offering	Interest Rate	APY*	Minimum Balance to Open	Minimum Balance to Earn APY	Additional Deposit	Penalty**
3 Month CD	0.15%	0.15%	$1,000	$1,000	NO	3 months interest
6 Month CD	0.30%	0.30%	$1,000	$1,000	NO	3 months interest
12 Month CD	0.50%	0.50%	$1,000	$1,000	NO	3 months interest
18 Month CD	0.65%	0.65%	$1,000	$1,000	NO	6 months interest
24 Month CD	1.00%	1.00%	$1,000	$1,000	NO	6 months interest
30 Month CD	1.00%	1.00%	$1,000	$1,000	NO	6 months interest
36 Month CD	1.19%	1.20%	$1,000	$1,000	NO	6 months interest
48 Month CD	1.34%	1.35%	$1,000	$1,000	NO	6 months interest
IRA 12 Months	0.50%	0.50%	$500	$500	NO	3 months interest
* APY = Annual Percentage Yield
** Indicates penalty for early withdrawal
Rates are subject to change. Fees may reduce earnings.

We keep our rates posted online as a convenience to our customers when making financial decisions. Please understand that these rates are subject to change.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.