IRA

Name Minimum to Open Term Minimum Balance to earn APY Rate APY
5 Year IRA $500.00 5 Years $500.00 2.292% 2.350%3
4 Year IRA $500.00 4 Years $500.00 1.760% 1.800%3
3 Year IRA $500.00 3 Years $500.00 1.615% 1.650%3
2 Year IRA $500.00 2 Years $500.00 1.469% 1.500%3
1 Year IRA $500.00 1 Year $500.00 0.982% 1.000%3
20-Month IRA Bump Certificate $500.00 20 Months $500.00 1.177% 1.200%4
18 Month IRA $500.00 18 Months $500.00 1.274% 1.300%3
13-Month IRA Certificate $500.00 13 Months $500.00 1.031% 1.050%9
6 Month IRA $500.00 6 Months $500.00 0.492% 0.500%3
3 Month IRA $500.00 3 Months $500.00 0.296% 0.300%3
30-Month IRA Bump Certificate $500.00 30 Months $500.00 1.469% 1.500%5

3 APY = Annual Percentage Yield. Assumes funds remain on deposit for a full year. Penalty may apply for early withdrawals from Certificates. Fees could reduce earnings on the account.

4 APY = Annual Percentage Yield. A one-time rate “bump” is allowable during the initial 20-month term of the Certificate to a 1-year Certificate rate which will affect the yield/rate only. At maturity, this Certificate renews automatically as a 1-Year Certificate at the APY then in effect, without any rate bump feature. Penalty may apply for early withdrawals from certificate. Rate is subject to change without notice. Fees could reduce earnings on the account.

5 APY = Annual Percentage Yield. A one-time rate “bump” is allowed during the initial 30-month term of the Certificate to a 2-year non-IRA Certificate rate which will affect the yield/rate only. At maturity, this Certificate renews automatically as a 2-Year Certificate at the APY then in effect, without any rate bump feature. Penalty may apply for early withdrawals from certificate. Rate is subject to change without notice. Fees could reduce earnings on the account.

9APY = Annual Percentage Yield. Assumes funds remain on deposit for a full year. This account will automatically renew at maturity to our basic 1-Year Certificate account. Penalty may apply for early withdrawals from Certificates. Fees could reduce earnings on the account.