Consumer Deposit Accounts

 1 year to 5 year CDs require $500.00 minimum balance

TERM

INTEREST RATE

APY*

5 YR.

1.75

1.75

4 YR.

1.50

1.50

3 YR.

1.20

1.20

2 YR.

1.00

1.00

1 YR.

                   .50

.50
* APY = Annual Percentage Yield

3 month to 6 month CDs require $1,000.00 minimum balance

TERM

INTEREST RATE

APY*

6 MO.

0.35

0.35

3 MO.

0.25

0.25
* APY = Annual Percentage Yield

APY ACCURATE AS OF AUGUST 31, 2011 AND SUBJECT TO CHANGE AT ANY TIME.

SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL. THE ANNUAL PERCENTAGE YIELD ASSUMES INTEREST WILL REMAIN ON DEPOSIT UNTIL MATURITY.

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