Individual Retirement Account Rates Annual Percentage Yield (APY) is accurate as of July 23, 2010, and is subject to change without notice. Minimum $100.00 deposit required to open account. A substantial penalty may be imposed for early withdrawal. Contact a Customer Service Represenative for complete details. Fixed Rate Maturity Rate APY 12 Month 1.00% 1.00% 18 Month 1.25% 1.26% 24 Month 1.40% 1.41% 30 Month 1.60% 1.61% Variable RateInterest rate may change after the account is opened. Maturity Rate APY 12 Month 0.90% 0.90% 18 Month 1.10% 1.10% Other Rates Checking Accounts Savings Accounts Certificates of Deposit