First Federal’s competitive-rate CDs offer a great way to earn a higher return on your short-term investments. Available in terms from 6 to 60 months and with corresponding increases in APY that allow you to control your return. Interest is compounded monthly and available at anytime without penalty. The ideal way to guarantee your return and watch your balance grow.

Features and Requirements Include: Interest compounded monthly or available in monthly check* Competitive rate interest that increases as term is extended FDIC insured Fixed rate, guaranteed return Penalty for early withdrawal $500 minimum deposit required

Maturity Interest Rate APY Rate 6 Months 0.200% 0.200% 9 Months 0.250% 0.250% 12 Months 0.400% 0.400% 13 Months 0.450% 0.450% 18 Months 0.700% 0.700% 24 Months 1.000% 1.000% 30 Months 1.100% 1.110% 36 Months 1.400% 1.410% 48 Months 2.000% 2.020% 60 Months 2.300% 2.320%   *$5,000 minimum balance required to receive monthly checks; APY equals simple interest rate for customers who receive monthly interest checks. ** Annual Percentage Yield (APY) is based on interest being compounded. **Interest Rates Effective 7/19/2010 and are subject to change.

CD Specials (Limited time offer. Certain restrictions apply. See rep for details.)

Maturity Rate Interest Rate APY Rate 14 Months 1.000% 1.000% 25 Months 1.440% 1.450% 35 Months 2.200% 2.220% 59 Months 2.520% 2.550%   ** Annual Percentage Yield (APY) is based on interest being compounded * Consult tax advisor for tax ramifications †With checking. Limited time offer. See rep for details. ††See our rep for complete details.