All rates are subject to change at the Bank's discretion based on current market conditions. These rates are effective April 24, 2013.
CD Rates (Certificates of Deposit)*
  Minimum Opening Deposit Interest
Rate		 APY
Annual Percentage Yield
CD 30 Day $500 .05% .05%
3 Month $500 .05% .05%
6 Month $500 .10% .10%
12 Month $500 .15% .15%
13 Month
One-time step up option		 $2,500 .15% .15%
15 Month
One-time step up option		 $2,500 .20% .20%
18 Month $500 .25% .25%
24 Month $500 .30% .30%
25 Month
One-time step up option		 $5,000 .30% .30%
30 Month $500 .35% .35%
30 Month $10,000 .35% .35%
36 Month $500 .45% .45%
48 Month $500 .60% .60%
60 Month $500 1.00% 1.00%
5 Year Step Up $500 .90% .90%
72 Month $500 1.09% 1.10%
*A penalty is imposed for early withdrawal from a CD. An exception applies for early withdrawals from a 30 day CD.