Personal Individual Retirement Accounts and Certificate of Deposit

Traditional IRA

• Minimum opening deposit of $100.00
• Earns competitive interest rate
• A penalty may be imposed for early withdrawal

Roth IRA – Fixed Rate

• Minimum opening deposit of $1,000.00
• Earns competitive interest rate based on certificate term
• Terms available form 6 months to 60 months
• A penalty may be imposed for early withdrawal

Roth IRA – Variable Rate

• Minimum opening deposit of $100.00
• Earns competitive interest rate based on certificate term
• Savings terms of 18 months and 60 months
• A penalty may be imposed for early withdrawal

Certificate of Deposit

• Minimum opening deposit of $1,000.00
• Earns competitive interest rate based on certificate term
• Terms available from 1 month to 60 months
• A penalty may be imposed for early withdrawal