• This account is an interest bearing account.
• The interest rate and annual percentage yield are included in the Rate Chart.
• The interest rate and annual percentage yield may change at our discretion at anytime. Interest begins to accrue on the business day of deposit.
• The account earns simple interest, which accrues daily and is paid at the end of each calendar quarter, if you close the account before interest is credited you will not receive the accrued interest.  
• Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

• Time Certificates of Deposit will be negotiated for a pre-determined period of time and at a fixed rate of interest during the term.
• All lime Certificates of Deposit are accepted for multiple maturity.
• Your certificate will automatically renew for a similar term and at the then prevailing interest rate.
• You will have 10-business days after the maturity date to withdraw funds without penalty.
• Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account, Interest begins to accrue on the business day of deposit. Interest will be paid as set out under the terms of the certificate of deposit at the time the account is opened.