CDs & IRAs

(effective 12-31-2019)

Term	Rate	APY (Annual Percentage Yield)	Minimum Opening Deposit
3 Month CD	.20%	.20%	$1,000.00
6 Month CD	1.25%	1.26%	$1,000.00
12 Month CD	.50%	.50%	$1,000.00
18 Month CD	.75%	.75%	$1,000.00
24 Month CD	.80%	.80%	$1,000.00
30 Month CD	.85%	.85%	$1,000.00
36 Month CD	.90%	.90%	$1,000.00
48 Month CD	1.40%	1.41%	$1,000.00
60 Month CD	1.75%	1.77%	$1,000.00

Minimum deposit to open and earn interest is $1,000.
The interest rate and APY will not change for the term of the account
Interest begins to accrue on the day of deposit
Interest is compounded daily and credited monthly
The APY assumes interest will remain on deposit until maturity
You may not make additional deposits or withdrawals until the maturity date
A penalty will be imposed for withdrawals when made before maturity
These CDs will automatically renew. You will have 10 calendar days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.

Promotional CDs

Term	Rate	APY (Annual Percentage Yield)	Minimum Opening Deposit
9 Month CD	1.60%	1.61%	$1,000.00

The interest rate and APY will not change for the term of the account.
Interest begins to accrue on the day of deposit.
Interest is compounded daily and credited monthly.
The APY assumes interest will remain on deposit until maturity.
You may not make additional deposits or withdrawals until the maturity date.
A penalty will be imposed for withdrawals in excess of interest earned when made before maturity.
Promotional CDs will automatically renew. You will have 10 calendar days after the maturity date to withdraw funds without penalty. *If you do not withdraw the funds, the 9 month CD will renew at the current 12 month rate and term.
Interest can be transferred to another account, issued as a check or remain in the CD.
Account disclosures are available upon request.
Deposits are insured by the FDIC.