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Certificate Rates - With as little as $500

Product	Dividend Rate	APY *

3 mo certificate	0.30%	0.30%
6 mo certificate	0.40%	0.40%
12 mo certificate	0.65%	0.65%
18 mo certificate	0.75%	0.75%
24 mo certificate	0.85%	0.85%
36 mo certificate	0.95%	0.95%
48 mo certificate	1.14%	1.15%
60 mo certificate	1.24%	1.25%
Minimum Opening Balance: $500 Minimum Required Balance: $500 Dividend: Compounded Monthly; Credited Monthly Additional Deposit: Not permitted Dividend Withdrawal: Allowed Early withdrawal penalties apply * APY = Annual Percentage Yield

Jumbo Certificate Rates - Over $100,000

Product	Dividend Rate	APY *

Jumbo 6 mo certificate	0.40%	0.40%
Jumbo 12 mo certificate	0.65%	0.65%
Jumbo 24 mo certificate	0.85%	0.85%
Jumbo 60 mo certificate	1.24%	1.25%
Minimum Opening Balance: $100,000 Minimum Required Balance: $100,000 Dividend: Compounded Monthly; Credited Monthly Additional Deposit: Not permitted Dividend Withdrawal: Allowed Early Withdrawal Penalties Apply *APY = Annual Percentage Yield

Step-Up Certificate Rates - Benefits you if rates go up

Product	Dividend Rate	APY *

36 mo certificate	0.95%	0.95%
48 mo certificate	1.14%	1.15%
60 mo certificate	1.24%	1.25%
Limited Time Offer Minimum Opening Balance: $5000 Minimum Required Balance: $5000 Dividend: Compounded Monthly; Credited Monthly Additional Deposit: Not permitted Dividend Withdrawal: Allowed Early Withdrawal Penalties Apply *APY = Annual Percentage Yield Step-Up Certificate Terms & Conditions Disclosure

Rags Certificate Rates - Ages 12 and under

Product	Dividend Rate	APY *

Rags 12 mo certificate	0.65%	0.65%
Rags 24 mo certificate	0.85%	0.85%
Minimum Opening Balance: $100 Minimum Required Balance: $100 Maximum Balance: None Dividend: Compounded Monthly; Credited Monthly Additional Deposit: Permitted - $10 Minimum Per Add-on Deposit Dividend Withdrawal: Allowed Early Withdrawal Penalties Apply *APY = Annual Percentage Yield

Last Updated: Aug. 6, 2009
Rates shown are subject to change
Fees may reduce earnings
Terms & Conditions Disclosure Certificate & IRA Accounts
Terms & Conditions Disclosure HSA Certificate Accounts

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