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Share Certificates (CDs)

Invest in yourself!

Share Certificate Accounts (CDs) are fixed-rate, fixed-term investment accounts that combine competitive returns with the security of a guaranteed investment.

Open a CD with as little as $250 and choose a term from 6 months up to 4 years.

Withdrawal of all or part of the opening deposit, before the agreed upon term is up, triggers a penalty. Unlike some financial institutions, our penalties never diminish the original principal amount. Typically, our early withdrawal penalty is 90 days of interest. See the savings rate tables for current rates and terms.

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Share Certificates & Roth, Educational & Traditional IRA²09-01-2010
Term	Minimum Deposit	APR	APY¹	Credited
6 Months	$1,000	1.095%	1.10%	Quarterly
1 Year	$1,000	1.541%	1.55%	Quarterly
2 Years	$1,000	1.590%	1.60%	Quarterly
3 Years	$1,000	1.985%	2.00%	Quarterly
4 Years	$1,000	2.231%	2.25%	Quarterly
¹Dividend Rates are calculated on simple interest, day of deposit, day of withdrawal. Fees or other conditions could reduce earnings. APY are calculated as of posted effective date. Penalties may apply for early withdrawal of funds. All rates are subject to change without notice. ²Early withdrawal penalty is 90 days of interest.

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EasyStart CD²09-01-2010
Term	Minimum Deposit	APR	APY¹	Credited
6 Months	$250.00	1.046%	1.05%	Quarterly
1 Year	$250.00	1.343%	1.35%	Quarterly
¹Dividend Rates are calculated on simple interest, day of deposit, day of withdrawal. Fees or other conditions could reduce earnings. APY are calculated as of posted effective date. Penalties may apply for early withdrawal of funds. All rates are subject to change without notice. ²Bump-up CD: One member-initiated rate increase to new current 1 year CD rate during term of the CD. Applies to new CDs and renewals only.

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