TERM	$500.00 - $9,999.99		$10,000 - $24,999.99		$25,000- $74,999.99		$75,0000+
	A.P.R**	A.P.Y. *	A.P.R**	A.P.Y. *	A.P.R**	A.P.Y. *	A.P.R**	A.P.Y. *
3 MONTHS	.30%	.30%	.35%	.35%	.399%	.40%	.449%	.45%
6 MONTHS	.499%	.500%	.549%	.55%	.599%	.60%	.649%	.65%
12 MONTHS	.95%	.95%	1.00%	1.00%	1.05%	1.05%	1.10%	1.10%
24 MONTHS	1.45%	1.45%	1.50%	1.50%	1.55%	1.55%	1.60%	1.60%
36 MONTHS	2.05%	2.05%	2.10%	2.10%	2.15%	2.15%	2.20%	2.20%
48 MONTHS	2.15%	2.15%	2.20%	2.20%	2.25%	2.25%	2.30%	2.30%
60 MONTHS	2.50%	2.50%	2.55%	2.55%	2.60%	2.60%	2.65%	2.65%

Why is the APY different than the APR on certain Certificates?

The APY stands for annual percentage yield.  Since some of our certificates will not mature on an exact 12 month term, there is a difference between the APR and APY.  The APR stands for annual percentage rate.  This is the rate at which your certificate will earn dividends each maturity period.  The APY is typically higher since the calculation behind it assumes the certificate will mature in a term evenly divisible by 12.  If your 6 month certificate earns an APY of 4.00%, the calculation for APY assumes you would earn two payments of dividend at two 6 month intervals, thus creating a higher earning APY . 

* Annual Percentage Yield
** Annual Percatage Rate
***RATES SUBJECT TO CHANGE WITHOUT NOTICE***