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Certificates of Deposit

	Our Certificates of Deposit offer high rates, high returns, and no market risk. Certificates of Deposit are designed to reward depositors who want to deposit funds and leave them on deposit for a specific length of time ranging from three months to five years.

ACCOUNT FEATURES Terms from three months to five years Compounded daily Free electronic transfer of interest Auto renewal with 10 day grace period Living Trust account ownerships available FDIC insured ACCOUNT MINIMUMS A $1000 minimum balance is required COSTS AND FEES There are fees for early withdrawal of principal before the stated maturity date If you don't want to renew, you have a 10 day grace period to let us know online, by phone or by mail SAFE & SECURE FDIC insured up to $250,000 per depositor FDIC certificate number is 35546

RATES Term APY Rate 6 Month 3.350% 3.300% 12 Month 3.820% 3.750% 24 Month 4.030% 3.950% 36 Month 4.080% 4.000% 48 Month 3.890% 3.820% 60 Month 4.290% 4.200% View All Terms & Rates

All BofI Checking and Savings accounts are variable rate accounts and these rates are subject to change without notice. The Annual Percentage Yield (APY) assumes principal and interest remain on deposit at the same rate for one year. We use the average daily balance method to calculate the interest on your checking or savings account. This method determines the average balance by adding the full amount of the principal in the account for each day within the statement period and dividing that figure by the number of days within the statement period. Interest is compounded daily and calculated on a 365 day basis. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest for checking and savings accounts is compounded daily and credited to your account on your monthly statement cycle date. Time Deposit rates are fixed for the term of the certificate. Time Deposits require a substantial penalty for early withdrawal. Please refer to the Disclosures and the Terms and Conditions for further information.