Ponce De Leon Federal Bank

Certificate of Deposit
Product	Interest Rate	*APY
Three (3) months	2.47	2.50
Six (6) months	2.57	2.60
*** Seven (7) months	2.96	3.00
Twelve (12) months	2.71	2.75
**Fifteen (15) months	2.96	3.00
Twenty-four (24) months	3.44	3.50
Thirty-six (36) months	3.68	3.75
Forty-eight (48) months	3.92	4.00
Sixty (60) months	4.16	4.25
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)	1.00	1.01
Super Bonus	1.00	1.01
Passbook Savings	1.25	1.26
Statement Savings	1.00	1.01
Super Savers Bal. $500.00-$9,999.99	1.50	1.51
Super Savers Bal. $10,000.00+	1.74	1.76
**Super Savers High Interest Bal $500.00-$9,999.99	1.00	1.01
**Super Savers High Interest Bal $10K+	1.98	2.00
**Super Value Checking Bal $5K-$24,999.99	1.00	1.01
**Super Value Checking Bal $25K+	1.98	2.00
Money Market	1.24	1.25
Money Market Checking $10K	1.49	1.50
Money Market Checking $25K	2.23	2.25
Money Market Checking $50K+	2.96	3.00

**Promotional Products Variable Interest Rates