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   Certificate Rates 

Rates are effective as of February 1, 2012

 Certificates

Certificate TypeMinimum DepositDividend Rate **APY *Term (Months)
3-Month**$5000.648%0.65%3
6-Month**$5000.698%0.70%6
9-Month**$5000.747%0.75%9
1-Year**$5000.797%0.80%12
1-Year SuperShare50**$50,0000.846%0.85%12
1-Year SuperShare 100**$100,0000.896%0.90%12
2-Year**$5001.094%1.10%24
2-Year SuperShare50**$50,0001.143%1.15%24
2-Year SuperShare100**$100,0001.193%1.20%24
3-Year**$5001.292%1.30%36
3-Year SuperShare50**$50,0001.341%1.35%36
3-Year SuperShare100**$100,0001.390%1.40%36
4-Year**$5001.538%1.55%48
4-Year SuperShare50**$50,0001.587%1.60%48
4-Year SuperShare100**$100,0001.637%1.65%48
5-Year**$5001.784%1.80%60
5-Year SuperShare50**$50,0001.833%1.85%60
5-Year SuperShare100**$100,0001.882%1.90%60


Disclosures


IRA/Roth Share Certificates are not offered for terms of less than six months.
Rates are subject to change without notice.
Rate changes are generally posted each Wednesday morning.

*APY = Annual Percentage Yield
**Subject to early withdrawal penalty. Dividends will be compounded daily and will be credited to your account monthly.

For additional information please call us at: 800-232-8101.