Certificates of Deposit

Current Rates (Effective February 7, 2012)

 

Certificate Term	Minimum to Open	Annual % Yield	Interest Rate
3 Months	$2500	0.05%	0.05%
6 Months	$1000	0.20%	0.20%
9 Months	$1000	0.20%	0.20%
12 Months	$1000	0.45%	0.45%
18 Months	$1000	0.95%	0.95%
30 Months	$1000	1.21%	1.20%
36 Months	$1000	1.46%	1.45%
IRA (18 Mo.)	$1000	1.46%	1.45%
Roth IRA (18 Mo.)	$1000	1.46%	1.45%
.
Young America (36 Mo.) (age 18 and under)	$100	1.46%	1.45%
.

An IRA is a variable rate account.
Substantial penalty for early withdrawal of CDs.  The Annual Percentage Yield assumes interest remains on deposit until maturity.   A withdrawal could reduce earnings.