Certificates of Deposit

Minimum balance to open:
     $2,500 for three to six  month terms.
     $500 for over six month term.

Interest Payments:
     Add back to certificate:
     At maturity only on 6 months terms or less.
     Quarterly over 6 months terms.

     Pay by check:
     Monthly, quarterly, semiannually, yearly.

     Pay by deposit:
     Monthly, quarterly, semiannually, yearly.

Rates:
Rates are subject to change at our discretion.

Special Certificate:
The Easy Riser Certificate has a term of 24 months.
This certificate has a one time option to the customer to raise the rate on their CD during the 24 months.