September 2025

 

Investment Certificates

 

Term	Interest Rate	Investment Minimum	Interest Accrued	Interest Paid	Penalty for early withdrawal
6 Month	0.30%	$500	Daily	Quarterly	Up to 180 days’ interest on amount withdrawn. Minimum penalty is 7 days’ interest.
12 Month	4.00%	$500	Daily	Quarterly	Up to 180 days’ interest on amount withdrawn. Minimum penalty is 7 days’ interest.
18 Month	3.00%	$500	Daily	Quarterly	Up to 180 days’ interest on amount withdrawn. Minimum penalty is 7 days’ interest.
24 Month	3.00%	$500	Daily	Quarterly	Up to 180 days’ interest on amount withdrawn. Minimum penalty is 7 days’ interest.
36 Month	3.00%	$500	Daily	Quarterly	Up to 180 days’ interest on amount withdrawn. Minimum penalty is 7 days’ interest.
48 Month	3.25%	$500	Daily	Quarterly	Up to 365 days’ interest on amount withdrawn. Minimum penalty is 7 days’ interest.
60 Month	3.25%	$500	Daily	Quarterly	Up to 365 days’ interest on amount withdrawn. Minimum penalty is 7 days’ interest.

 

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Retirement/IRA Certificates

 

Term	Interest Rate	Investment Minimum	Interest Accrued	Interest Paid	Penalty for early withdrawal
Statement	1.50%	$100	Daily	Quarterly	No penalty
24 Mo IRA	3.00%	$5,000	Daily	Quarterly	Up to 180 days’ interest on amount withdrawn unless RMD*. Minimum penalty is 7 days’ interest.
36 Mo IRA	3.00%	$5,000	Daily	Quarterly	Up to 180 days’ interest on amount withdrawn unless RMD*. Minimum penalty is 7 days’ interest.
48 Mo IRA	3.25%	$5,000	Daily	Quarterly	Up to 365 days’ interest on amount withdrawn unless RMD*. Minimum penalty is 7 days’ interest.
60 Mo IRA	3.25%	$5,000	Daily	Quarterly	Up to 365 days’ interest on amount withdrawn unless RMD*. Minimum penalty is 7 days’ interest.

*RMD = Required Minimum Distribution. See Offering Circular for more details.

 

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Saving Certificates

 

Amount/Term	Interest Rate	Investment Minimum	Interest Accrued	Interest Paid	Penalty for early withdrawal
Statement Savings	0.15%	$100	Daily	Monthly	No penalty
1 Year	0.30%	$100*	Daily	Quarterly	No penalty