12 Month Certificate Special

*APY is the Annual Percentage Yield. The 12 month certificate at 3.75% fixed APY is based on a dividend rate of 3.70%. The minimum to open the account and earn the stated APY is $500. Withdrawals, maintenance or activity fees will reduce stated earnings. Withdrawals of dividends on share certificates are allowed at quarter end. Withdrawals of principal are allowed with substantial penalty for early withdrawal. Early withdrawals from IRA accounts are not allowed and will result in a penalty. Dividends from IRA share certificates can be withdrawn, but will be subject to a penalty. For share certificate accounts that automatically renew for another term, there is a grace period of 10 days after maturity in which to withdraw funds or makes changes to the share certificate account without being charged an early withdrawal penalty. The 12 month certificate special will automatically renew into the standard certificate rate for the 12 month term. Withdrawals of credited dividends are allowed without penalty at quarter end. Withdrawals of principal will result in a penalty equal to 90 days dividends for certificates with maturities of one month to 12 months, 180 days dividends for 13 to 23 month certificates and a penalty equal to 365 days dividends for the 24 to 36 month certificates. Certificates with maturities of 37 months to 60 months are subject to a penalty equal to 540 days. This penalty is applied whether or not the dividends have been accrued. Transaction Limitation for share certificates; after the account is opened, additional deposits are not allowed. This penalty is applied whether or not the dividends have been accrued. The rates are subject to change at any time. This is a limited-time offer and may be withdrawn at any time. This offer is available for personal or business purposes, IRA, and Coverdell Education Savings accounts.

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PARK YOUR CASH & WATCH IT GROW!

3.75%

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