CERTIFICATE OF DEPOSIT & IRAs
TERM	RATE	APY
30 Day	.05%	.05%
3 Month	.05%	.05%
6 Month	.20%	.20%
9 Month	.25%	.25%
1 Year	.30%	.30%
13 month	.30%	.30%
2 Year	.40%	.40%
3 Year	.45%	.45%
4 Year	.50%	.50%
5 Year	.55%	.55%

• Minimum deposit to open is $500.00.
• Fees may reduce earnings and interest rates are subject to change at any time.
• A penalty may be imposed for early withdrawal.

Effective: December 31, 2022