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 Individual Retirement Accounts
Individual Retirement Accounts - Fixed Rate
Term Interest Rate APY Min. balance to obtain APY Min Deposit
12 Month 2.82% 2.85% $100.00 $10.00
18 Month 3.06% 3.10% $100.00 $10.00
24 Month 3.21% 3.25% $100.00 $10.00
30 Month 3.21% 3.25% $100.00 $10.00
36 Month 3.50% 3.55% $100.00 $10.00
48 Month 3.93% 4.00% $100.00 $10.00
60 Month 3.93% 4.00% $100.00 $10.00

Individual Retirement Accounts - Variable Rate
Term Interest Rate APY Min. Balance to obtain APY Min Deposit
18 Month 1.40% 1.40% $100.00 $10.00
Effective date: 11/21/2008
All rates are subject to change without notice.

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