IRAs

UP TO 0.75% apy*

*Annual Percentage Yield

Certificate Term	Period of Investment	Dividend Rate*	APY**	Minimum Opening Balance	Early Withdrawal Penalty
6 months	181 days	0.50%	0.50%	$500	90 days' dividends
9 months	274 days	0.65%	0.65%	$500	90 days' dividends
12 months	365 days	0.75%	0.75%	$500	180 days' dividends
18 months	546 days	0.75%	0.75%	$500	180 days' dividends
24 months	730 days	0.75%	0.75%	$500	180 days' dividends
30 months	911 days	0.75%	0.75%	$500	180 days' dividends
36 months	1,095 days	0.75%	0.75%	$500	180 days' dividends
48 months	1,461 days	0.75%	0.75%	$500	360 days' dividends
60 months	1,826 days	0.75%	0.75%	$500	360 days' dividends

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