|Certificate Term||Period of Investment||Rate of Return||Early Withdrawal Penalty|
|6 months||181 days||Dividend Rate: 0.80% APY*: 0.80%||90 days' dividends|
|12 months||365 days||Dividend Rate: 1.44% APY*: 1.45%||180 days' dividends|
|18 months||546 days||Dividend Rate: 1.64% APY*: 1.65%||180 days' dividends|
|24 months||730 days||Dividend Rate: 2.08% APY*: 2.10%||180 days' dividends|
|30 months||911 days||Dividend Rate: 2.23% APY*: 2.25%||180 days' dividends|
|36 months||1,095 days||Dividend Rate: 2.28% APY*: 2.30%||180 days' dividends|
|48 months||1,461 days||Dividend Rate: 2.23% APY*: 2.25%||360 days' dividends|
|60 months||1,826 days||Dividend Rate: 2.43% APY*: 2.45%||360 days' dividends|
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