Rates current as of January 23, 2015.
|CERTIFICATES OF DEPOSIT||APY*||Rate|
|INDIVIDUAL RETIREMENT ACCOUNTS||APY*||Rate|
|18 Month Fixed||.25%||.25%|
|18 Month Variable||.25%||.25%|
| *Annual Percentage Yield. The APY assumes interest remains on
deposit until maturity. A withdrawal will reduce earnings.
Minimum Balance Requirement: A minimum deposit of $1,000.00 is required to open the account, and you must maintain a minimum balance of $1,000.00 on a daily basis to earn the APY.
CD Early Withdrawal Penalty: Withdrawals made before the maturity date may result in the following penalties:
IRA Early Withdrawal Penalty: Withdrawals before age 59-1/2 may be subject to a penalty of 6 months interest on the amount withdrawn. This penalty will be calculated using the rate in effect at the time of withdrawal.