SPECIAL RATES – LIMITED TIME OFFER! – NEW INVESTMENTS ONLY

Loan Certificate
Term%Investment MinimumInterest AccruedInterest Paid*Early withdrawal penalty
20 Month2.50%$5,000DailyQuarterlyUp to 6 months interest
54 Month3.50%$5,000DailyQuarterlyUp to 12 months interest
Retirement/IRA Certificates
Term%Investment MinimumInterest AccruedInterest Paid*Early withdrawal penalty
Statement1.50%$100-49,999DailyQuarterlyUp to 12 months interest unless Required Minimum Distribution
36 Month IRA2.50%$50,000-99,999DailyQuarterlyUp to 12 months interest unless Required Minimum Distribution
48 Month IRA3.00%$100,000-249,999DailyQuarterlyUp to 12 months interest unless Required Minimum Distribution
60 Month IRA3.50%$250,000+DailyQuarterlyUp to 12 months interest unless Required Minimum Distribution

CURRENT RATES – SEPTEMBER 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
60 Month2.45%$500DailyQuarterlyUp to 12 months interest
Retirement/IRA Certificates
Term%Investment MinimumInterest AccruedInterest Paid*Penalty for early withdrawal
60 Mo IRA2.00%$5,000-49,999DailyQuarterly12 months interest unless RMD*
60 Mo IRA2.25%$50,000-99,999DailyQuarterly12 months interest unless RMD*
60 Mo IRA2.50%$100,000-249,999DailyQuarterly12 months interest unless RMD*
60 Mo IRA2.75%$250,000 +DailyQuarterly12 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 Savings $100-$24,9990.15%100-24,999DailyMonthlyNo Penalty
Statement Savings $25,000 and up0.25%25,000DailyMonthlyNo 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.