Ponce De Leon Federal Bank

Certificate of Deposit
Product	Interest Rate	*APY
Three (3) months	0.75	0.75
Six (6) months	0.995	1.00
*** Seven (7) months	1.09	1.10
Twelve (12) months	1.24	1.25
Twenty-four (24) months	1.98	2.00
Thirty-six (36) months	2.47	2.50
Forty-eight (48) months	2.71	2.75
Sixty (60) months	2.96	3.00
Early withdrawal penalties - A penalty may be imposed for withdrawals before maturity.
Interest Rates may change without notice. Please contact us at (718) 931-9000 for current Interest rates and other products.
*APY-Annual Percentage Yield
**Promotional Products Variable Interest Rates
*** 7 Months CD $1,000.00 new checking account is required.

Other Accounts
Product	Interest Rate	*APY
Negotiable Order of Withdrawal (NOW)	0.35	0.35
Passbook Savings	0.50	0.50
Statement Savings	0.50	0.50
Super Savers Bal. $500.00-$9,999.99	0.50	0.50
Super Savers Bal. $10,000.00+	0.75	0.75
**Super Savers High Interest Bal $500.00-$9,999.99	0.50	0.50
**Super Savers High Interest Bal $10K+	1.24	1.25
**Super Value Checking Bal $5K-$24,999.99	0.50	0.50
Money Market	0.50	0.50
Money Market Checking $10K	0.75	0.75
Money Market Checking $25K	0.995	1.00
Money Market Checking $50K+	1.24	1.25

**Promotional Products Variable Interest Rates