IRAs

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: 0.85% APY*: 0.85%	90 days' dividends
12 months	365 days	Dividend Rate: 1.55% APY*: 1.56%	180 days' dividends
18 months	546 days	Dividend Rate: 1.65% APY*: 1.66%	180 days' dividends
24 months	730 days	Dividend Rate: 1.75% APY*: 1.76%	180 days' dividends
30 months	911 days	Dividend Rate: 2.00% APY*: 2.02%	180 days' dividends
36 months	1,095 days	Dividend Rate: 2.05% APY*: 2.07%	180 days' dividends
48 months	1,461 days	Dividend Rate: 2.16% APY*: 2.18%	360 days' dividends
60 months	1,826 days	Dividend Rate: 2.50% APY*: 2.52%	360 days' dividends

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