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Time Certificates are fixed rate debt instruments with a term between 1 and 10 years, paying quarterly interest to the investor or compounding interest to maturity at the election of the investor.

THREE YEAR TIME CERTIFICATE AT 1.25%

FIVE YEAR TIME CERTIFICATE AT 2.25%

TEN YEAR TIME CERTIFICATE AT 3.50%

THOSE INTERESTED IN INVESTING IRA FUNDS MAY INVEST AT THE SAME INTEREST RATES AS THOSE FOR NON-IRA INVESTMENTS