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IRA Rates Rates and yields are effective as of Friday, January 2, 2009 Variable Rate
Fixed Rate
*Minimum deposit of $5000 required for monthly compounding. Minimum deposit of $2500 required for quarterly compounding. Minimum deposit of $1000 for semi-annual compounding. Account Terms The following account terms apply to all accounts in this category unless otherwise marked: Annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Variable Rate Accounts: The interest rate and annual percentage yield may change at any time. Determination of Rate: At our discretion, we may change the interest rate on your account. Frequency of Rate Changes: The interest rate and annual percentage yield may change at any time. Interest will be calculated on the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Interest is credited quarterly to your account. Effect of Closing an Account: Accrued but uncredited interest under $1 will not be paid. Interest begins to accrue no later than the business day you deposit noncash items (i.e., checks). A minimum deposit of $25 must be made each time you deposit. Maximum deposit per year is determined by Federal Tax regulations. Please consult your tax professional for assistance. Penalty: If any of the deposit is withdrawn before the maturity date, a penalty may be imposed. Federal regulations may require other penalties.
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