Certificates of Deposit Account Rates

Certificate of Deposit Products	Description	Rate	APY	Effective Date
Certificates of Deposit**	Minimum Balance $500
	1 Month Based on 30 Days Cycle	0.05%	0.05%	04/01/11
	3 Months	0.30%	0.30%	01/27/12
	6 Months	0.35%	0.35%	01/27/12
	9 Months	0.40%	0.40%	01/27/12
	12 Months	0.60%	0.60%	02/17/12
	18 Months	.70%	.70%	02/17/12
	24 Months	.85%	.85%	02/17/12
	24 Months (w/Gen Gold Checking Account)	1.24%	1.25%	02/10/12
	36 Months	1.44%	1.45%	01/27/12
	48 Months	1.59%	1.60%	02/10/12
	60+ Months	1.735%	1.75%	02/10/12

 

Notations:
1 All rates are subject to change without notice.
2 Fees may reduce the earnings on the account.
APY Annual Percentage Yield.
** A penalty may be imposed for early withdrawal.