CURRENT RATES – NOVEMBER 2017

Loan Certificate
Term%Investment MinimumInterest AccruedInterest Paid*Early withdrawal penalty
6 Month1.20%$500DailyQuarterlyUp to 3 months interest
12 Month1.50%$500DailyQuarterlyUp to 6 months interest
18 Month1.55%$500DailyQuarterlyUp to 6 months interest
24 Month1.70%$500DailyQuarterlyUp to 6 months interest
36 Month2.05%$500DailyQuarterlyUp to 6 months interest
48 Month2.25%$500DailyQuarterlyUp to 12 months interest
60 Month2.45%$500DailyQuarterlyUp to 12 months interest
Retirement/IRA Certificates
Term%Investment MinimumInterest AccruedInterest Paid*Penalty for early withdrawal
Statement*1.50%$100DailyQuarterlyNe penalty
24 Mo IRA1.70%$5,000DailyQuarterly6 months interest unless RMD*
36 Mo IRA2.05%$5,000DailyQuarterly6 months interest unless RMD*
48 Mo IRA2.25%$5,000DailyQuarterly12 months interest unless RMD*
60 Mo IRA2.45%$5,000DailyQuarterly12 months interest unless RMD*

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

Saving Certificates
Amount/Term%Investment MinimumInterest AccruedInterest Paid*Penalty for early withdrawal
Statement Savings0.25%$100DailyMonthlyNo Penalty
1 Year0.50%$100*DailyAnnuallyNo Penalty

* Investment minimum waived for WELS CEF Kids Stamp Program participants

The purchase of WELS CEF securities is subject to risks, which are described in our Offering Circular.  This is not an offer to sell, nor the solicitation to buy our securities.  We will offer and sell our securities only in states where authorized.  The offering is made solely by the Offering Circular.

*Not FDIC or SIPC insured   *Not a bank deposit  *No Synod Guarantee

The purchase of WELS CEF’s securities is subject to risks, which are described in our Offering Circular. This is not an offer to sell you our securities and we are not soliciting you to buy our securities. We will offer and sell our securities only in states where authorized. These securities are neither offered nor available for sale in Pennsylvania, West Virginia or District of Columbia. The offering is made solely by the Offering Circular.