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Certificates of Deposit

Current CD Rates as of 11/20/2014

Term Interest Rate APY1 Minimum to Open Interest Penalty
31 Day2 .10 .10 $5,000 31 Day
3 Mo.2 .10 .10 $2,500 3 Mo.
6 Mo.3 .15 .15 $2,500 3 Mo.
12 Mo.3 .25 .25 $500 3 Mo.
15 Mo.3 .25 .25 $500 3 Mo.
18 Mo.3 .30 .30 $500 6 Mo.
24 Mo.3 .40 .40 $500 6 Mo.
30 Mo.3 .55 .55 $500 6 Mo.
36 Mo.3 .55 .55 $500 12 Mo.
60 Mo.3 1.05 1.05 $500 12 Mo.

Certificate of Deposit "Specials"

Term Interest Rate APY1 Minimum to Open Interest Penalty
19 Mo.3 .40 .40 $500 6 Mo.
48 Mo.3 .75 .75 $500 12 Mo.
30 Mo Step Up* .55 .55 $500 6 Mo.

1Annual Percentage Yield 2Compounded at Maturity and Interest is paid when compounded at Maturity. 3Compounded Quarterly and Interest is paid when compounded Quarterly.

Rate information posted on the Bank of Pontiac Mobile Web Site is subject to change. Please call to confirm rate information. CDs are subject to interest penalty for early withdrawal. The CD specials listed above may renew into different lengths of maturity upon renewal.