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Statement Savings* Money Market Savings* Prime Savings*

Certificate of Deposit (CDs) Individual Retirement Accounts (IRAs) Individual Retirement Savings Account
Minimum Daily Balance  $100  $1,000  $5,000  $500  $500  None 
Fall Below Fee  $6  $8  $10  None  None  None 
Monthly Maintenance Fee  None  None  None  None  None  None 
Interest  Earned Interest  Earned on Four Tiered Levels:
$0-9,999
$10,000-49,999
$50,000-99,999
$100,000+  		Earned on Four Tiered Levels:
$0-4,999
$5,000-49,999
$50,000-99,999
$100,000+  		Current fixed rates for the following terms are published each Tuesday:
1 Month, 3 Months, 6 Months, 1 year, 18 months, 2 years, 3 years, 4 years, 5 years
Additional off-term specials available periodically  		Fixed and variable rates are paid on IRA accounts for the following terms:
7 day, 3 month, 6 month, 15 month, 18 month, 30 month, 1 year, 2 year, 3 year, 4 year, 5 year  		Fixed and variable rates are paid on IRA Savings accounts, but no term is specified. 
Additional Account Information             
Unlimited deposits  • • •     •
Free basic book of 30 checks, maximum of 3 checks per month, $10 excess item fee    •        
6 free withdrawals and/or transfers per month*  • • •      
Minimum balance waived for minors (under 18)  •          
Renewals, Penalties & Additional Information        For terms of one year or less, penalty is 3-months' interest; For terms greater than one year, penalty is six-months' interest.
Automatic renewal 10 days after maturity date.  		For terms of one year or less, penalty is 3-months' interest; For terms greater than one year, penalty is six-months' interest.
Automatic renewal 10 days after maturity date.  		This account can be used when an IRA has matured, and plans have not yet been made for the money. 
*Federal regulations limit the number of withdrawals and/or transfers that may be made from a savings account by telephone/PC transfer, pre-authorized transfer, check or debit card. You are limited to six withdrawals and/or transfers from your savings account each month by pre-authorized transfer or telephone/PC transfer, including bill payments. And if the account permits transfers by check or debit card, no more than three of the six limited transfers may be by check or debit card. A $1.95 charge is assessed after 6 for Statement Savings and Prime Savings Accounts. A $10.00 charge is assessed after 6 for Personal and Business Money Market Accounts.