certificates

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Certificates

Try Our ADD-Vantage Certificate!!! Our 7 month Certificate, not only has a great rate, but you may Add to it in Increments of $500 or More**!!!

Looking for a Way to Help Your Child or Grandchild Save Money? Try our Kid-Vantage Certificate! Start a Kid-Vantage Certificate with $100. It is based on our 7 month Certificate, and you can add to it in Increments of $25.00 or more**!

The annual percentage yields are accurate as of
February 2, 2012

Term	Minimum Balance	Rate	APY	Early Withdrawal Penalty
91 day	$500.00	.40%	.40%	90 days dividend penalty
6 month	$500.00	.45%	.45%	90 days dividend penalty
**7 month	$500.00	.50%	.50%	180 days dividend penalty
9 month	$500.00	.50%	.50%	180 days dividend penalty
12 month	$500.00	.55%	.55%	180 days dividend penalty
15 month	$500.00	.60%	.60%	180 days dividend penalty
18 month	$500.00	.65%	.65%	180 days dividend penalty
24 month	$500.00	.70%	.70%	180 days dividend penalty
25 month	$500.00	.75%	.75%	180 days dividend penalty
30 month	$500.00	.80%	.80%	180 days dividend penalty
36 month	$500.00	1.00%	1.00%	180 days dividend penalty
39 month	$500.00	1.05%	1.06%	180 days dividend penalty
48 month	$500.00	1.45%	1.46%	180 days dividend penalty
60 month	$500.00	1.80%	1.81%	180 days dividend penalty
72 month	$500.00	1.90%	1.92%	180 days dividend penalty
84 month	$500.00	2.00%	2.02%	180 days dividend penalty
120 month	$500.00	2.10%	2.12%	180 days dividend penalty

Jumbo certificates are also available. Call (304) 748-8600 for quotes
Certificate rates are subject to change daily
Dividends are calculated using the Daily Balance Method and credited monthly
Dividends may be compounded, deposited to your savings account, or paid by check

**No additions to the ADD-Vantage or Kid-vantage Certificate can be made 7 days before maturity.

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