| | DIVIDEND | | | 5/1/2013 | RATE | *APY |
|---|
| TERM CERTIFICATES ** $1,000.00 Minimum | | | | 6 Month Certificate | 0.90% | 0.90% | | 12 Month Certificate | 1.05% | 1.05% | | 18 Month Certificate | 1.05% | 1.05% | | 24 Month Certificate | 1.15% | 1.15% | | 36 Month Certificate | 1.25% | 1.26% | | 48 Month Certificate | 1.50% | 1.51% | | 60 Month Certificate | 1.85% | 1.86% | |
*APY = annual percentage yield Interest rates and APYs are subject to change at any time. ** There is a substantial penalty for early withdrawal from term certificate accounts.
Loss of one month's interest on accounts with a maturity of one year or less and Step Up Certificates.
Loss of three months' interest on accounts with a maturity of more than one year. | 
