CERTIFICATE OF DEPOSIT (CD) RATES                                                      Member FDIC

Annual Percentage Yield as of January 15, 2020
Certificate of Deposit	Interest Rate	Annual Percentage Yield	Minimum Opening Deposit	Minimum Balance to Earn APY*
TIME DEPOSIT CDS
30 Day up to 59 Day CD	0.25%	0.25%	$2,500.00	$2,500.00
60 Day up to 90 Day CD	0.30%	0.30%	$2,500.00	$2,500.00
91 Day up to 149 Day CD	0.30%	0.30%	$2,500.00	$2,500.00
150 Day up to 181 Day CD	0.30%	0.30%	$2,500.00	$2,500.00
182 Day up to 364 Day CD	0.35%	0.35%	$2,500.00	$2,500.00
12 Month to 23 Month CD	0.40%	0.40%	$1,000.00	$1,000.00
24 Month to 35 Month CD	0.50%	0.50%	$1,000.00	$1,000.00
36 Month to 47 Month CD	0.55%	0.55%	$1,000.00	$1,000.00
48 Month to 59 Month CD	0.80%	0.80%	$1,000.00	$1,000.00
60 Month CD	0.90%	0.90%	$1,000.00	$1,000.00

 

Certificate of Deposit Specials	Interest Rate	Annual Percentage Yield	Minimum Opening Deposit	Minimum Balance to Earn APY*
9 Month Special CD	1.00%	1.00%	$10,000.00	$10,000.00
11 Month Special CD	1.05%	1.06%	$2,500.00	$2,500.00
1 Year Special CD	0.75%	0.75%	$1,000.00	$1,000.00
24 Month Special CD	1.25%	1.26%	$1,000.00	$1,000.00
30 Month Special CD	1.30%	1.31%	$1,000.00	$1,000.00
60 Month Special CD	1.70%	1.71%	$1,000.00	$1,000.00

 

*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.