| Account Type | Dividend Rate¹ | APY² | Minimum Opening Balance | Early Withdrawal Penalty |
|---|---|---|---|---|
| IRA Savings | 0.50% | 0.50% | N/A | N/A |
| 6 month IRA Certificate | 4.18% | 4.25% | $500 | 90 days' dividends |
| 9 month IRA Certificate | 3.94% | 4.00% | $500 | 90 days' dividends |
| 12 month IRA Certificate | 3.94% | 4.00% | $500 | 180 days' dividends |
| 18 month IRA Certificate | 3.94% | 4.00% | $500 | 180 days' dividends |
| 24 month IRA Certificate | 3.94% | 4.00% | $500 | 180 days' dividends |
| 30 month IRA Certificate | 3.70% | 3.75% | $500 | 180 days' dividends |
| 36 month IRA Certificate | 3.70% | 3.75% | $500 | 180 days' dividends |
| 48 month IRA Certificate | 3.45% | 3.50% | $500 | 360 days' dividends |
| 60 month IRA Certificate | 3.45% | 3.50% | $500 | 360 days' dividends |
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