CERTIFICATE OF DEPOSIT (CD) RATES                                                      Member FDIC

Annual Percentange Yield as of Thursday January 15, 2020
Certificate of Deposit Interest
Rate		 Annual Percentage
Yield		 Minimum Opening
Deposit 		Minimum Balance
to Earn APY*
3 MONTH CD 0.20% 0.20% $500.00 $500.00
6 MONTH CD & IRA CD
$500 to $49,999.99 0.20% 0.20% $500.00 $500.00
$50,000.00 and OVER 0.20% 0.20% $500.00 $50,000.00
6 MONTH CHOICE CD*** 0.20% 0.20% $500.00 $500.00
12 MONTH CD & IRA CD
$500 to $49,999.99 0.25% 0.25% $500.00 $500.00
$50,000.00 and OVER 0.25% 0.25% $500.00 $50,000.00
12 MONTH CHOICE CD*** 0.25% 0.25% $500.00 $500.00
24 MONTH CD & IRA CD
$500 to $49,999.99 0.65% 0.65% $500.00 $500.00
$50,000.00 and OVER 0.65% 0.65% $500.00 $50,000.00
36 MONTH INFLATE YOUR RATE CD 1.59% 1.60% $500.00 $500.00
48 MONTHH CD 0.90% 0.90% $500.00 $500.00
60 MONTH CD & IRA CD 1.49% 1.50% $500.00 $500.00
IRA 42 MONTH CD 1.09% 1.10% $500.00 $500.00

 

Certificate of Deposit
with Special Rates		 Interest
Rate		 Annual Percentage
Yield		 Minimum Opening
Deposit 		Minimum Balance
to Earn APY*
8 Month CD** 1.29% 1.30% $500.00 $500.00
13 Month CD 1.24% 1.25% $5,000.00 $5,000.00
13 Month CD IRA 1.24% 1.25% $500.00 $500.00
18 Month CD 1.49% 1.50% $1,000.00 $1,000.00
18 Month CD IRA 1.49% 1.50% $1,000.00 $1,000.00
30 Month CD 1.49% 1.50% $500.00 $500.00

 

*APY=Annual Percentage Yield. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. A withdrawal will reduce earnings. A penalty may be imposed for early withdrawal. Rates are subject to change without notice.

** New money only

*** Withdrawals in $500 increments are permitted once per month.