Certificates of Deposit

Rates effective Thursday, May 17, 2012

Rates and terms are subject to change without notice.

Certificates of Deposit
Term3 Minimum Balance Interest Rate APY1 APY with Checking2
CD Special! 17 months One-time Rate Bump4 $1,000.00 0.60% 0.60% 0.66%
CD Special! 34 months One-time Rate Bump5 $1,000.00 1.14% 1.15% 1.27%
CD Special! 51 months One-time Rate Bump6 $1,000.00 1.59% 1.60% 1.76%
3 months $500.00 0.05% 0.05% 0.06%
6 months $500.00 0.15% 0.15% 0.17%
12 months $500.00 0.30% 0.30% 0.33%
18 months $500.00 0.40% 0.40% 0.44%
24 months $500.00 0.50% 0.50% 0.55%
30 months $500.00 0.65% 0.65% 0.72%
36 months $500.00 0.80% 0.80% 0.88%
48 months $500.00 1.24% 1.25% 1.38%
60 months $500.00 1.44% 1.45% 1.60%

1 APY=annual percentage yield.

2 The maximum APY with checking rate is paid to qualified customers with an existing checking account with direct deposit or a new checking account with direct deposit established within 30 days of account opening, in conjunction with the CD. If the checking account is Rewards Checking, all account qualifications of Rewards Checking must be met in order to earn the maximum CD APY.

3 At maturity CD Special reverts to our standard 6 month CD product.

4 Your interest rate and annual percentage yield may change after the account is opened. One-time rate bump on the 17 month CD is allowed during the CD term. When exercising the 17 month CD bump option, the APY for the current 12 month CD term will apply.

5 Your interest rate and annual percentage yield may change after the account is opened. One-time rate bump on the 34 month CD is allowed during first 15 months of the CD term. When exercising the 15 month CD bump option, the APY for the current 30 month CD term will apply.

6 Your interest rate and annual percentage yield may change after the account is opened. One-time rate bump on the 51 month CD is allowed during first 24 months of the CD term. When exercising the 24 month CD bump option, the APY for the current 48 month CD term will apply.


Annual Percentage Yield (APY) is effective as of the date noted above. Offer subject to change without notice. Interest computed from day of deposit to day of withdrawal, compounded daily and paid monthly. Penalty for early withdrawal.