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Educational Individual Retirement Accounts

Educational Indvidual Retirement Accounts
Term LengthRate TypeOpening BalanceInterest RateAnnual Percentage Yield
12 Months Fixed $100.00 0.25% 0.25%
18 Months Floating $100.00 0.40% 0.40%

We use the Daily Balance Method to calculate the interest on your account. This method applies a daily periodic rate to the Balance in your account each day. Interest is accrued daily, compounded and credited monthly to your account from your accounts issue date. At our discretion, we may change the interest rate for the 18 month floating rate account at any time. Penalty may be assessed for early withdrawal. APY is accurate as of January 8, 2013.