Certificates of Deposit & IRA Interest Rates
Term	Interest Rates	Annual Percentage Yield (APY)
91 Days	.50	.50
182 Days	1.00	1.00
12 Months	1.49	1.50
18 Months	1.74	1.75
24 Months	1.84	1.85
30 Months	1.84	1.85
36 Months	1.94	1.95
48 Months	2.54	2.55
60 Months	2.74	2.75

Information current as of: 10/20/09

Minimum Deposit $500

Interest rate is subject to change at our discretion. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit. A penalty may be imposed for early withdrawal. A penalty may be waived in certain circumstances such as the death or incompetence of an owner of the account.