| Certificate of Deposit* |
| Certificate Term | Minimum Balance To Obtain APY | Interest Rate | Annual Percentage Yield |
| 91 Day | $2,500 | .75 | .75 |
| 182 Day | $2,500 | 3.75 | 3.79 |
| 12 Month | $1,000 | 3.75 | 3.79 |
| 18 Month | $1,000 | 2.80 | 2.82 |
| 24 Month | $1,000 | 3.05 | 3.07 |
| 30 Month | $1,000 | 3.15 | 3.17 |
| 48 Month | $1,000 | 3.30 | 3.33 |
| 60 Month | $1,000 | 3.55 | 3.58 |
| *Substantial penalty for early withdrawal |
| | | |
| Deposit Accounts |
| DDA Accounts | Minimum Balance To Avoid Service Charge | Interest Rate | Annual Percentage Yield |
| NOW Account | $1,000 -or- Average of $2,000 | .20% | .20% |
| Money Market Account | $2,500 | .30% | .30% |
| Passbook Savings | N/A | .25% | .25% |
| FOR CURRENT RATE INFORMATION CALL (618) 243-5234. |
