Effective Date: September 26, 2017

Certificates of Deposit/IRA Certificates of Deposit (CDs)

Minimum $1000 to open. Relationship is defined as Direct Deposit Checking.

Relationship Non-Relationship
 Term Interest Rate APY* Interest Rate APY*
3 Month 0.50% 0.50% 0.25% 0.25%
6 Month 0.70% 0.70% 0.45% 0.45%
9 Month 0.95% 0.95% 0.70% 0.70%
12 Month 1.29% 1.30% 1.05% 1.05%
18 Month 1.49% 1.50% 1.24% 1.25%
24 Month 1.69% 1.70% 1.44% 1.45%
36 Month 1.79% 1.80% 1.54% 1.55%
48 Month 1.89% 1.90% 1.64% 1.65%
60 Month 2.08% 2.10% 1.84% 1.85%

Investor Choice CDs

Minimum $10,000 to open. Relationship is defined as Direct Deposit Checking.

Relationship Non-Relationship
 Term Interest Rate APY* Interest Rate APY*
30 Month 1.54% 1.55% 1.29% 1.30%
42 Month 1.69% 1.70% 1.44% 1.45%

*Annual Percentage Yield (APY)

IMPORTANT DISCLOSURE INFORMATION—PLEASE READ

Investor Choice Certificate of Deposit – $10,000 minimum to open.

The Investor Choice Certificate offers customers an option to increase the rate one time during the term of the certificate. The rate increase will be determined by the current rate of the Investor Choice Certificate. At the time of the increase, additional funds may be added up to the amount of the original deposit, in increments of $1,000 (limited to initial deposit).

Certificates of Deposit / Individual Retirement Account (IRA) CDs & Investor Choice CDs

The disclosed APY (Annual Percentage Yield) assumes that Interest will remain on deposit. The APY is defined as a percentage rate reflecting the annualized interest paid on an account based upon the indicated frequency of compounding for a 365/366 day period. Fees or early withdrawals will reduce earnings. CDs are subject to penalty for early withdrawal: 6 months interest if maturity is 24 months or less: 12 months interest if maturity is more than 24 months. Interest is compounded quarterly. Interest is credited to your account quarterly. Interest is calculated using the daily balance method. Interest Rate and APY may change at our discretion. Available for consumer deposits only.

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