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IRA Account Rates

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IRA Certificate of Deposit

Term	Interest Rate	APY*
6 Month	0.15%	0.15%
12 Month	0.30%	0.30%
18 Month	0.40%	0.40%
24 Month	0.50%	0.50%
30 Month	0.60%	0.60%
36 Month	1.19%	1.20%
42 Month	1.00%	1.01%
48 Month	1.24%	1.25%
60 Month	1.49%	1.50%
72 Month	1.59%	1.60%
84 Month	1.69%	1.70%

$250.00 Minimum on Certificate of Deposit (Penalty for early withdrawal/Present CD at Maturity)

CD Disclosure

Member FDIC. Rates and offers subject to change and may be withdrawn without notice. Annual Percentage Yield (APY) is in effect as of 2/4/2015 and assumes principal and interest remain on deposit for term stated. You must maintain a minimum balance of $250.00 in the account each day to obtain the disclosed the Annual Percentage Yield (APY). Minimum deposit required is $250. Penalty may apply for early withdrawal. Fees could reduce earnings on the account. Effective April 1, 2004 all CD's opened on or after this date will automatically renew at maturity with the current term and rate. You will have a 10 day grace period to make any changes to your account. This will not affect CDs opened prior to April 1, 2004.

IRA Statement Savings

	Interest Rate	APY*
$100 - $2,499	0.20%	0.20%
$2,500 - $9,999	0.25%	0.25%
$10,000 - $24,999	0.30%	0.30%
$25,000 & Up	0.35%	0.35%

Annual Percentage Yield (APY) is effective as of February 4, 2015. Interest rates subject to change without notice. Minimum deposit required is $25.00. Fees could reduce earnings. All accounts are variable rate; the interest rate may change after the account is opened.

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