|Account Type||Dividend Rate¹||APY²||Minimum Opening Balance||Early Withdrawal Penalty|
|6 month IRA Certificate||1.000%||1.00%||$500||90 days' dividends|
|9 month IRA Certificate||1.09%||1.10%||$500||90 days' dividends|
|12 month IRA Certificate||2.72%||2.75%||$500||180 days' dividends|
|18 month IRA Certificate||1.49%||1.50%||$500||180 days' dividends|
|24 month IRA Certificaten||3.21%||3.25%||$500||180 days' dividends|
|30 month IRA Certificate||2.48%||2.50%||$500||180 days' dividends|
|36 month IRA Certificate||1.98%||2.00%||$500||180 days' dividends|
|48 month IRA Certificate||2.23%||2.25%||$500||360 days' dividends|
|60 month IRA Certificate||2.38%||2.40%||$500||360 days' dividends|
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