e-Certificate Rates

Rates effective as of December 1, 2018

e-Certificate

Certificate Type	Term	Dividend	APY
e-Share Certificates: 12-Months $250 Minimum Deposit Rates Set: Monthly A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.	12 Months	1.99%	2.00%
e-Share Certificates: 24-Months $250 Minimum Deposit Rates Set: Monthly A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.	24 Months	2.48%	2.50%
e-Share Certificates: 36-Months $250 Minimum Deposit Rates Set: Monthly A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.	36 Months	2.97%	3.00%
e-Share Certificates: 60-Months $250 Minimum Deposit Rates Set: Monthly A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.	60 Months	3.02%	3.05%
e-Money Market Certificate: 6-Month Add-On $5,000 Minimum Deposit Rates Set: Monthly Add any amount at any time throughout the certificate term. A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.	6 months	1.74%	1.75%
e-MISCA $10,000 Minimum Deposit Rates Set: Monthly A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.	24 Months	2.96%	3.00%

APR: Annual percentage rate; APY: Annual percentage yield