TYPE OF PLAN	CERTIFICATE OF DEPOSIT	GOLD CERTIFICATE OF DEPOSIT	ULTIMATE CD®	GOLD ULTIMATE CD®
Recommended if you want...	Secure, competitive bank CD rates, with your choice of terms.	Secure, competitive bank CD rates, with your choice of terms, plus a higher interest rate.	A CD rate without locking up funds long term.	A CD rate without locking up funds long term, plus a higher interest rate.
Minimum Opening Deposit and Term	$1,000 • Terms from 90 days to 5 years	$1,000 • Terms from 90 days to 5 years • Requires a Gold Account or Gold Interest Checking Account.	$1,000 • No fixed terms	$1,000 • Requires a Gold Account or Gold Interest Checking Account.
Monthly Service Fee	None	None	None	None
Interest Rate	Fixed rate based on the term of the certificate	Fixed rate based on the term of the certificate	• Variable rate • Compounded daily ** • Paid quarterly	• Variable rate • Compounded daily ** • Paid quarterly
Withdrawals	• Substantial bank penalty for early withdrawal	• Substantial bank penalty for early withdrawal	• One no-fee withdrawal during any of the first 5 business days of each calendar quarter • Interest can be automatically transferred to another Zions checking or savings account	• One no-fee withdrawal during any of the first 5 business days of each calendar quarter • Interest can be automatically transferred to another Zions checking or savings account
Unique Features		0.5% higher interest rate	• Make additional deposits at anytime • Interest is tiered to the 2-year US Treasury Note, changes monthly	• Make additional deposits at anytime • 0.5% higher interest rate • Interest is tiered to the 2-year US Treasury Note, changes monthly

**Interest is calculated on the collected balance, which is book balance minus float.