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Share Certificates of Deposit

Term
Dividend Rate
Annual Percentage Yield
Minimum Investment
Compounding Frequency
6 Months
0.35%
0.35%
$5,000
Monthly
12 Months
0.45%
0.45%
$1,000
Monthly
18 Months
0.55%
0.55%
$1,000
Monthly
24 Months
0.65%
0.65%
$1,000
Monthly
30 Months
0.70%
0.70%
$1,000
Monthly
36 Months
0.75%
0.75%
$1,000
Monthly
48 Months
0.80%
0.80%
$1,000
Monthly
Preferred Certificate
9 Months
0.55%
0.55%
$10,000
Monthly
15 Months
0.65%
0.65%
$10,000
Monthly
Youth Club Share Certificate
24 Months
0.65%
0.65%
$250
Monthly
Health Savings Account Certificate
12 Months
0.45%
0.45%
$1,000
Monthly

IRA Certificates of Deposit

Term
Dividend Rate
Annual Percentage Yield
Minimum Investment
Compounding Frequency
Traditional IRA Certificate
6 Months
0.35%
0.35%
$500
Monthly
12 Months
0.45%
0.45%
$500
Monthly
18 Months
0.55%
0.55%
$500
Monthly
24 Months
0.65%
0.65%
$500
Monthly
30 Months
0.70%
0.70%
$500
Monthly
36 Months
0.75%
0.75%
$500
Monthly
48 Months
0.80%
0.80%
$500
Monthly
Roth IRA Certificate
12 Months
0.45%
0.45%
$500
Monthly
24 Months
0.65%
0.65%
$500
Monthly
36 Months
0.75%
0.75%
$500
Monthly
48 Months
0.80%
0.80%
$500
Monthly
Educational IRA
12 Months
0.45%
0.45%
$500
Monthly
24 Months
0.65%
0.65%
$500
Monthly
36 Months
0.75%
0.75%
$500
Monthly
48 Months
0.80%
0.80%
$500
Monthly
Preferred Traditional or Roth IRA
9 Months
0.55%
0.55%
$10,000
Monthly
15 Months
0.65%
0.65%
$10,000
Monthly
Accumulator IRA
N/A
0.25%
0.25%
None
Quarterly

The dividend period for IRA Certificates is monthly and will be credited to the IRA Certificate. A penalty may be imposed for withdrawals before maturity.

All of the above pay monthly to the investment balance except the Accumulator IRA, which pays quarterly. Payment of dividends to another account such as checking can be arranged upon request.

The dividend period for Certificates is monthly and may be paid to the Certificate or an account of your choice. A penalty may be imposed for withdrawals before maturity.

*Youth Certificate – Cool Kids CODE Club and YES Club members are eligible to obtain a youth certificate in their name. A minimum deposit of $250.00 is required to open the certificate. Added deposits of $100.00 can be made during the term. The youth certificate has a term of 24 months, with the maturity date being no later than the year the member turns 18.