CD SPECIALS

APY

Rate

0.50%

0.50

  Renewal Term is 1 year.
  Must have an additional account relationship of checking, savings,
  money market account, loan, or Investment Services product. Maximum
  deposit $250,000.00. One time penalty free withdrawal allowed during
  initial term.

FFL Step CD

  1st 6 Months

0.40%

0.40

  2nd 6 Months

0.65%

0.65

  3rd 6 Months

0.90%

0.90

  18 Month Term Composite

0.65%

0.65

  Renewal Term is 18 months
  *$500.00 Minimum deposit to open and earn APY, except as noted.
  Substantial penalty for early withdrawal.   

CERTIFICATES OF DEPOSIT

Direct Save

APY

Rate

Direct Save

0.50%

0.50

  $250.00 Minimum deposit to open and earn APY. At least one electronic deposit
  per month, $25.00 minimum, is required. Substantial penalty for early withdrawal.

Long Term Accounts*

APY

Rate

1 Year CD

0.30%

0.30

18 Month CD

0.50%

0.50

  Renewal Term is 24 months

2 Year CD

0.55%

0.55

2.5 Year CD

0.60%

0.60

3 Year CD

0.65%

0.65

4 Year CD

1.05%

1.05

5 Year CD

1.20%

1.20

Jump Rate CD

0.45%

0.45

  *$500.00 Minimum deposit to open and earn APY, except as noted.
  Substantial penalty for early withdrawal.

Short Term Accounts*

APY

Rate

3 Month CD

0.10%

0.10

6 Month CD

0.20%

0.20

9 Month CD

0.60%

0.60

  *$500.00 Minimum deposit to open and earn APY, except as noted.
  Substantial penalty for early withdrawal.

Tier Advantage CD*

APY

Rate

1st 13 Months

0.65%

0.65

2nd 13 Months

0.90%

0.90

3rd 13 Months

1.15%

1.15

39 Month Term

0.90%

0.90

  Renewal Term is 36 months
  *$500.00 Minimum deposit to open and earn APY, except as noted.
  Substantial penalty for early withdrawal.

JUMBO INVESTMENT ACCOUNTS

Jumbo Certificates of Deposits

APY

Rate

30 Day Jumbo CD

0.20%

0.20

60 Day Jumbo CD

0.20%

0.20

90 Day Jumbo CD

0.20%

0.20

180 Day Jumbo CD

0.30%

0.30

270 Day Jumbo CD

0.35%

0.35

365 Day Jumbo CD

0.45%

0.45

  *$100,000.00 Minimum deposit to open. $100,000.00 Minimum actual daily balance to earn APY. 
  Early withdrawal penalties will apply. Annual fees for IRA and qualified retirement plan accounts.

Renewal Jumbo Certificates of Deposits

APY

Rate

30 Day Jumbo CD

0.20%

0.20

  (renewal)

60 Day Jumbo CD

0.20%

0.20

  (renewal)

90 Day Jumbo CD

0.20%

0.20

  (renewal)

180 Day Jumbo CD

0.30%

0.30

  (renewal)

270 Day Jumbo CD

0.35%

0.35

  (renewal)

365 Day Jumbo CD

0.45%

0.45

  (renewal)  
  *$100,000.00 Minimum deposit to open. $100,000.00 Minimum actual daily balance to earn APY. 
  Early withdrawal penalties will apply. Annual fees for IRA and qualified retirement plan accounts.

SAVINGS ACCOUNTS

Type

APY

Rate

Statement Savings

0.10%

0.10

  $10.00 Minimum deposit to open and $1.00 to earn APY.

Passbook Savings

0.10%

0.10

  $10.00 Minimum deposit to open and $1.00 to earn APY.

Better Than a T-Bill

0.35%

0.35

  $10,000.00 Minimum deposit to open and earn APY.
  Variable Rate Account that adjusts weekly.

Better Than a T-Bill Freedom Money Market

0.35%

0.35

  Minimum deposit to open and earn APY is $10,000.00
  in a T-Bill and $500.00 in a Checking Account.
  Variable Rate Account that adjusts weekly.

Christmas Club

0.10%

0.10

  $1.00 Minimum deposit to open and earn APY.