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Certificate of Deposit Rates

Effective Date: Monday, November 30, 2020

Certificate of Deposit Rates

ProductMinimum To OpenInterest RateAnnual Percentage Yield (APY)%*

7-DAY CD1

$1,000.000.20%0.20%

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3 Month CD**$1,000.000.05%0.05%

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6 Month CD**$1,000.000.10%0.10%

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SPECIAL 7 Month CD**$1,000.000.40%0.40%

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9 Month CD**$1,000.000.15%0.15%

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12 Month CD**$1,000.000.20%0.20%

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15 Month CD**$1,000.000.25%0.25%

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18 Month CD**$1,000.000.30%0.30%

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24 Month CD**$1,000.000.35%0.35%

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36 Month CD**$1,000.000.40%0.40%

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48 Month CD**$1,000.000.50%0.50%

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60 Month CD**$1,000.000.80%0.80%

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Some CD rates are also available for Individual Retirement Account (IRA's) with a minimum balance of $1,000.00. IRA’s are NOT available through online account opening. IRA’s are NOT available for a term of less than 6 months.

* Interest is compounded monthly. Annual percentage yield (APY) assumes principal and interest remain on deposit for one year. Minimum opening deposit is $1,000. Minimum daily balance to earn stated APY is $.01. Rates offered are subject to change without notice.

** Interest rates at time of maturity set based on prevailing financial conditions. Substantial penalty on certificates should the Bank consent to early withdrawal of principal. Rates offered are subject to change without notice.

1 Interest rates at time of maturity set based on prevailing financial conditions. Rates offered are subject to change without notice. Minimum daily balance to earn the annual percentage yield (APY) is $.01. Will automatically renew every 7 days for an additional 7 days at the rate then available. Substantial penalty for early withdrawal. Interest is paid at maturity, no monthly compounding occurs.

The Federal Deposit Insurance Corporation (FDIC) insures deposits of up to $250,000. All portions of deposits in excess of $250,000 are insured by the Depositors Insurance Fund (DIF).