Certificate Dividend Rates

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IRA/Share Certificate Rates
Rate

APY

6-11 months
1.50%

1.51%

12-23 months
1.80%

1.81%

24-35 months
2.05%

2.07%

36 months
2.10%

2.12%

48 months
2.50%

2.53%

60 months
2.75%

2.78%

Rates as of January 13, 2010

APY = Annual Percentage Yield. Annual Percentage Yield applies when dividend is reinvested in the account. Rates are subject to change without notice.

A penalty may be imposed for early withdrawal.

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