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Individual Retirement Account Options Min Dep. To
Open & Obtain APY
Early Withdrawal Penalties Interest
Annual Percentage

18 Month Variable Rate

$25 3 mos. Interest 0.65%* 0.65%*
(Minimum Guaranteed Interest Rate - 0.50%; APY 0.50%
36 Month Fixed Rate $25 6 mos. Interest 1.15% 1.15%
48 Month Variable Rate $25 12 mos. Interest 1.50%* 1.51%*
(Minimum Guaranteed Interest Rate - 1.00%; APY 1.00%
60 Month Fixed Rate $25 12 mos. Interest 1.54% 1.55%
60 Month Variable Rate $25 12 mos. Interest 1.65%* 1.66%*
(Minimum Guaranteed Interest Rate - 1.49%; APY - 1.50%

*The rate may change after the account is opened.

All IRA's: The daily balance method calculates interest applying a daily periodic rate to the principal in your account each day. The APY assumes interest on deposit until maturity. An early withdrawal penalty may be imposed on the amount withdrawn before maturity and may invade the principal. A withdrawal will reduce earnings.

IRA's: Interest on IRA's is compounded and credited semi-annually and at maturity. Deposit limits apply. No deposits 7 days before maturity. Interest begins to accrue no later than the business day that we receive the deposit of non-cash items (for example, checks).

Contact us to assist you with your investment needs.

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