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This shall not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any sale of Investment Certificates in any state in which such offer, solicitation, or sale is not authorized. The offering is made solely by the OFFERING CIRCULAR, which more fully describes certain risks involved in a purchase of Investment Certificates. THE INVESTMENT CERTIFICATES ARE NOT FDIC OR SIPC INSURED, ARE NOT BANK DEPOSITS, AND HAVE NO DENOMINATIONAL GUARANTEE.

Today's Investment Certificate Interest Rates

Effective

October 15, 2023

Term	Minimum Balance	Rate	Yield
Demand	$1,000	3.00%	3.03%
90-Days	$10,000	3.75%	3.80%
270-Days	$10,000	4.50%	4.58%
1-Year	$1,000	4.00%	4.06%
18-Month	$10,000	5.00%	5.09%
2-Year	$1,000	4.50%	4.58%
30-Month	$10,000	4.50%	4.58%
3-Year	$1,000	3.50%	3.55%
4-Year	$1,000	3.50%	3.55%
5-Year	$1,000	3.00%	3.03%
6-Year	$10,000	3.75%	3.80%
7-Year	$10,000	3.75%	3.80%

CIF's current Subscription Agreements, and Offering Circular and all Supplements thereto, can be obtained by contacting us or visiting our website as set forth above.

Demand Certificates, 90-Day Term Certificates and 270-Day Term Certificates are not available for IRAs.

EARLY REDEMPTION PENALTY: Any redemption of a Term Certificate prior to its maturity is subject to a substantial penalty - namely, the principal amount payable to you will be reduced by an amount equal to a specified number of days' of interest on the principal amount redeemed based on the original maturity of the Term Certificate. See "Your Redemption Rights for Term Certificates" in our Offering Circular.

AN INVESTMENT IN THE INVESTMENT CERTIFICATES INVOLVES CERTAIN RISKS MORE FULLY DESCRIBED IN THE OFFERING CIRCULAR, INCLUDING THE RIGHT OF CIF TO REDEEM THE INVESTMENT CERTIFICATES PRIOR TO THEIR FINAL MATURITY.

This shall not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any sale of Investment Certificates in any state in which such offer, solicitation or sale is not authorized. The offering is made solely by CIF's current OFFERING CIRCULAR and all Supplements thereto, and under the terms and subject to the conditions outlined within. The Investment Certificates are not FDIC insured, not SIPC insured, not a bank deposit and not guaranteed by the EFCA. CIF reserves the right to discontinue offering these Investment Certificates at any time.