IRAs

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UP TO 2.45% apy*

*Annual Percentage Yield

Certificate Term	Period of Investment	Rate of Return	Early Withdrawal Penalty
6 months	181 days	Dividend Rate: 0.80% APY*: 0.80%	90 days' dividends
12 months	365 days	Dividend Rate: 1.24% APY*: 1.25%	180 days' dividends
18 months	546 days	Dividend Rate: 1.64% APY*: 1.65%	180 days' dividends
24 months	730 days	Dividend Rate: 1.99% APY*: 2.00%	180 days' dividends
30 months	911 days	Dividend Rate: 2.13% APY*: 2.15%	180 days' dividends
36 months	1,095 days	Dividend Rate: 2.18% APY*: 2.20%	180 days' dividends
48 months	1,461 days	Dividend Rate: 2.23% APY*: 2.25%	360 days' dividends
60 months	1,826 days	Dividend Rate: 2.43% APY*: 2.45%	360 days' dividends

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