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Individual Retirement Accounts

Individual Retirement Accounts
Term LengthRate TypeOpening BalanceInterest RateAnnual Percentage Yield
12 Months Fixed $500.00 0.25% 0.25%
18 Months Floating $500.00 0.40% 0.40%
18 Months Fixed $500.00 0.40% 0.40%
30 Months Fixed $500.00 0.65% 0.65%

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. For the variable rate accounts (above), the rate of interest will be paid until the maturity date of the account. At our discretion, we may change the interest rate for the 18 month floating rate account at anytime. Penalty may be assessed for early withdrawal. APY is accurate as of January 8, 2013