Share, IRA & ESA Certificates

Rates effective - January 1, 2013 IRA means Individual Retirement Account ESA means Educational Savings Account

Term          APR      APY      Min. Balance

3 Months    0.35%    0.35%    $1000
6 Months    0.45%    0.45%    $1000
1 Year         0.65%    0.65%    $500
18 Months  0.85%    0.85%    $500
2 Years       1.05%    1.06%    $500
3 Years       1.40%    1.41%    $500
4 Years      1.65%    1.66%    $500
5 Years       2.00%    2.02%    $500

Rates subject to change
APR (Annual Percentage Rate)
APY(Annual Percentage Yield)
Regular fees or other conditions could reduce the yield.
Interest penalty is required for early withdrawals. Dividends paid monthly.
Accounts Federally Insured to at least $250,000 by NCUA, an agency of the U.S. Government