Individual Retirement Accounts*
Rates effective through 2.6.2012
| Term** | Interest Rate^ | Annual Percentage Yield^^ |
| 3 Month | 0.30% | 0.30% |
| 6 Month | 0.40% | 0.40% |
| 1 Year | 0.50% | 0.50% |
| 2 Year | 0.75% | 0.75% |
| 3 Year | 1.00% | 1.00% |
| 4 Year | 1.00% | 1.00% |
| 5 Year | 1.00% | 1.00% |
| 2 Year Variablet | 0.38% | 0.38% |
| IRA Savings | 0.13% | 0.13% |
*$500 Minimum to Open. To receive a monthly Interest Check, the Certificate of Deposit must have a minimum balance of $25,000; to receive a quarterly interest Check, the Certificate of Deposit must have a minimum balance of $10,000. Accounts with RMD do not apply.
**A penalty may be imposed if there is an early withdrawal from the account. Not applicable to IRA Savings Accounts.
^Rate subject to change
^^Assumes that interest will remain on deposit until maturity
tApplies to accounts opened or renewed after January 1, 2007
