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Rates Effective as of 10/31/2014


Certificates of Deposit
Account Product Name
Daily Balances of:
Minimum Opening Deposit
Minimum Balance to Obtain APY*
Minimum Interest Rate
APY*
CDs - 3 Months***
$1,000 - 99,999.99
$1,000.00
$1,000.00
0.10%
0.10%
$100,000 - 249,999.99
$1,000.00
$1,000.00
0.15%
0.15%
$250,000 and up
$1,000.00
$1,000.00
0.20%
0.20%
CDs - 182 Days***
$1,000 - 99,999.99
$1,000.00
$1,000.00
0.20%
0.20%
$100,000 - 249,999.99
$1,000.00
$1,000.00
0.25%
0.25%
$250,000 and up
$1,000.00
$1,000.00
0.30%
0.30%
CDs - 12 Months***
$1,000 - 99,999.99
$1,000.00
$1,000.00
0.30%
0.30%
$100,000 - 249,999.99
$1,000.00
$1,000.00
0.35%
0.35%
$250,000 and up
$1,000.00
$1,000.00
0.40%
0.40%
CDs - 18 Months***
$1,000 - 99,999.99
$1,000.00
$1,000.00
0.40%
0.40%
$100,000 - 249,999.99
$1,000.00
$1,000.00
0.45%
0.45%
$250,000 and up
$1,000.00
$1,000.00
0.50%
0.50%
CDs - 24 Months***
$1,000 - 99,999.99
$1,000.00
$1,000.00
0.50%
0.50%
$100,000 - 249,999.99
$1,000.00
$1,000.00
0.55%
0.55%
$250,000 and up
$1,000.00
$1,000.00
0.60%
0.60%
CDs - 36 Months***
$1,000 - 99,999.99
$1,000.00
$1,000.00
0.65%
0.65%
$100,000 - 249,999.99
$1,000.00
$1,000.00
0.70%
0.70%
$250,000 and up
$1,000.00
$1,000.00
0.75%
0.75%
CDs - 48 Months***
$1,000 - 99,999.99
$1,000.00
$1,000.00
0.80%
0.80%
$100,000 - 249,999.99
$1,000.00
$1,000.00
0.85%
0.85%
$250,000 and up
$1,000.00
$1,000.00
0.90%
0.90%
CDs - 60 Months***
$1,000 - 99,999.99
$1,000.00
$1,000.00
1.00%
1.01%
$100,000 - 249,999.99
$1,000.00
$1,000.00
1.05%
1.06%
$250,000 and up
$1,000.00
$1,000.00
1.10%
1.11%
IRA - 18 Month****
$1,000.00
$1,000.00
0.40%
0.40%
*Annual Percentage Yield
***A penalty will be imposed for early withdrawal.
****The interest rate and annual percentage yield may change after account opening.



Member FDIC