IRA Certificate Rates 

	Annual Percentage Yield
12 month	2.30% APY
18 month	2.30% APY
24 month	2.30% APY
30 month	2.45% APY
36 month	2.60% APY
48 month	2.85% APY
60 month	3.15% APY

Penalty will be imposed for early withdrawal. Disclosures available upon request. Rates are accurate as of 12/1/2008 and subject to change at any time. Contact Genfed staff for more information about current rates, terms and fees. Fees or early withdrawals could reduce earnings on certificates. We may offer different rates in the future.