CDs/IRAs

6 – 15 Month CD

Features and Benefits:

• Minimum of $500 to open
• Minimum of $500 to earn Annual Percentage Yield
• Interest is compounded daily and credited monthly
• Fees may reduce earnings
• Choice of term
• Fixed interest rate account
• A penalty may be imposed for early withdrawal

18 Month Add-On CD

• Minimum of $100 to open
• Minimum of $100 to earn Annual Percentage Yield
• Additional deposits must be a minimum of $10
• Interest is compounded daily and credited monthly
• Fees may reduce earnings
• Fixed interest rate account
• A penalty may be imposed for early withdrawal

24 Month Penalty Free CD

Features and Benefits:

• Minimum of $500 to open
• Minimum of $500 to earn Annual Percentage Yield
• One penalty free withdrawal per year*
• Interest is compounded daily and credited monthly
• Fees may reduce earnings
• Fixed interest rate account

30-60 Month CD

Features and Benefits:

• Minimum of $500 to open
• Minimum of $500 to earn Annual Percentage Yield
• Interest is compounded daily and credited monthly
• Fees may reduce earnings
• Choice of term
• Fixed interest rate account
• A penalty may be imposed for early withdrawal

Individual Retirement Accounts (IRA) CDs

CD terms above may be used as Individual Retirement Accounts

Statement Savings IRA

Features and Benefits:

• Minimum of $25 to open
• Minimum of $100 to earn Annual Percentage Yield
• Interest is compounded daily and credited monthly
• Fees may reduce earnings
• Fixed interest rate account
• A penalty may be imposed for early withdrawal

* This account is allowed one penalty free withdrawal per year. One early withdrawal penalty will be waived for a withdrawal made after the first six days of the account term, or the first six days following any partial withdrawal, per year. For all other withdrawals a penalty may be imposed.