Fixed-Rate Certificates      
Balance Term Rate APY
$1,000 6 months 0.500% 0.50%
$1,000 12 months 1.190% 1.20%
$1,000 24 months 1.590% 1.60%
$1,000 36 months 1.740% 1.75%
$1,000 48 months 1.980% 2.00%
$1,000 60 months 2.230% 2.25%
$1,000 84 months 2.470% 2.50%
$100 (Youth Certificate)* 12 months 1.190% 1.20%
$100 (Youth Certificate Special)** 15 months 4.890% 5.00%
Fixed-Rate IRA Certificates      
Balance Term Rate APY
$1,000 6 months 0.600% 0.60%
$1,000 12 months 1.290% 1.30%
$1,000 24 months 1.690% 1.70%
$1,000 36 months 1.830% 1.85%
$1,000 48 months 2.080% 2.10%
$1,000 60 months 2.325% 2.35%
$1,000 84 months 2.570% 2.60%

APY (Annual Percentage Yield) as of September 1, 2018, and is subject to change. Interest is paid monthly based on average daily balance. A penalty may be charged for early withdrawal. Features - Bump: if we advertise a higher rate on the same certificate type and term, you can request to move your certificate to the new rate. Add-on: add funds at any time. Withdrawal: allows a penalty-free withdrawal of your interest at any time. Penalty will be charged for early withdrawal of principal balance on some term certificates. Penalties for early withdrawal due to financial hardship may be waived. Cannot be combined with any other offer.

*Available for members 17 and under only.
**15-month youth certificate is available for members age 17 and under only, is limited to one per member, and is limited to a maximum of $1,500, including add-ons. Add funds at any time by visiting a branch or calling a member service representative at (800) 649-0193. Add-ons may not be made onlilne.