C-B-W offers several savings options for you to earn high interest rates. It would be in your best interest to check with us before you invest your savings because it has been our policy to pay higher rates for these certificates than the rates paid by the other local financial institutions. The rates are changed periodically to insure that your return on investment is fair and in line with the prevailing economic conditions. However, regardless of subsequent rate changes, your certificates will pay you interest at the rate stated at the time of your investment for the length of the maturity term.

THERE IS A PENALTY FOR EARLY WITHDRAWALS ON CERTIFICATES.

Certificates	Dividend Rate	APY*	Term
1 Year Compounding Certificate - Minimum Deposit $1,000	3.110	3.150	12
2 Year Certificate - Minimum Deposit $5,000	3.500	3.500	24
Mini-Jumbo - 1 Year Certificate - Minimum Deposit $50,000	3.250	3.250	12
High Yield - 1 Year Certificate - Minimum Deposit $10,000	3.150	3.150	12
1 Year Certificate - Non Compounding - Minimum Deposit $1,000	3.000	3.000	12
6 Month Certificate - Minimum Deposit $2,500	2.500	2.500	6
3 Month Certificate - Minimum Deposit $2,500	2.000	2.000	3
IRA Certificate - Minimum Deposit $500	3.210	3.250	12

*APY = Annual Percentage Yield