A share certificate is a specified amount of money deposited for a pre-determined length of time. It earns a higher annual percentage rate and yield than a regular savings account.

Rates as of 1/20/2012

Description	Rate	APY
6 Month Certificate*	.60%	.60%
12 Month Certificate*	.70%	.70%
18 Month Certificate*	.80%	.80%
24 Month Certificate*	1.20%	1.21%
36 Month Certificate*	1.75%	1.76%
48 Month Certificate*	1.90%	1.91%
60 Month Certificate*	2.00%	2.02%
6 Month IRA Certificate*	.60%	.60%
12 Month IRA Certificate*	.70%	.70%
24 Month IRA Certificate*	1.20%	1.21%
36 Month IRA Certificate*	1.75%	1.76%
48 Month IRA Certificate*	1.90%	1.91%
60 Month IRA Certificate*	2.00%	2.02%
Jumbo 6 Month Certificate**	.70%	.70%
Jumbo 12 Month Certificate**	.80%	.80%
Jumbo 24 Month Certificate**	1.30%	1.31%
Jumbo 36 Month Certificate**	1.85%	1.86%
Jumbo 48 Month Certificate**	2.00%	2.02%
Jumbo 60 Month Certificate**	2.10%	2.12%

Rates subject to change
*$5,000 Minimum Deposit
**$90,000 Minimum Deposit

Mini Certificates of Deposit

Description	Rate	APY
6 Month Certificate°	.45%	.45%
12 Month Certificate°	.65%	.65%
24 Month Certificate°	.75%	.75%
36 Month Certificate°	.85%	.85%
48 Month Certificate°	.95%	.95%
60 Month Certificate°	1.05%	1.05%

Rates subject to change
°$1,000 Minimum Deposit