Certificates of Deposit Available to individuals, businesses, corporations, and organizations. A $500.00 opening deposit is required. The interest rates vary by term of certificates. A substantial penalty will be assessed for early withdrawal. FDIC Insured. Check out our Variable Rate IRAs! Fees could reduce earnings. Term Interest Rate (%) APY (%)* 1 month .50 .50 3 month .50 .50 6 month 1.00 1.00 9 month 1.00 1.00 12 month 1.00 1.00 15 month 1.25 1.26 18 month 1.25 1.26 24 month 1.50 1.51 30 month 1.50 1.51 36 month 1.80 1.81 48 month 1.80 1.81 60 month 1.80 1.81 Annual Percentage Yield Interest is compounded quarterly Rates valid as of 8/6/10. 1 month CD Disclosure 3 month CD Disclosure 6 month CD Disclosure 9 month CD Disclosure 12 month CD Disclosure 15 month CD Disclosure 18 month CD Disclosure 24 month CD Disclosure 30 month CD Disclosure 36 month CD Disclosure 48 month CD Disclosure 60 month CD Disclosure Electronic Fund Transfers: Your Rights and Responsibilities Terms and Conditions of Your Account Truth in Savings Disclosure Your Ability to Withdraw Funds