Certificate of Deposit*
Deposit Rates
Annual Percentage Yields And Interest Rates Are Effective:
| Certificate Term | Minimum Balance To Obtain APY | Interest Rate | Annual Percentage Yield |
| 7-31 Day | $5,000 | .00% | .00% |
| 91 Day | $2,500 | .05% | .05% |
| 182 Day | $2,500 | .35% | .35% |
| 12 Month | $1,000 | .45% | .45% |
| 18 Month | $1,000 | .55% | .55% |
| 24 Month | $1,000 | .60% | .60% |
| 30 Month | $1,000 | .70% | .70% |
| 48 Month | $1,000 | .90% | .90% |
| 60 Month | $1,000 | 1.25% | 1.25% |
| 18 Month IRA Var | $1,000 | .60% | .60% |
*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 | .15% | .15% |
| Money Market Account | $2,500 | .25% | .25% |
| Passbook Savings | N/A | .20% | .20% |