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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.

Effective

January 1, 2020

Today's Investment Rates

Term	Rate	Yield
Demand	1.75%	1.76%
90-Days	1.85%	1.86%
1-Year	2.00%	2.02%
2-Year	2.15%	2.17%
30-Months	2.20%	2.22%
3-Years	2.25%	2.27%
4-Years	2.40%	2.42%
5-Years	2.50%	2.52%
403(b)(9)	2.00%	2.02%