Certificates and Individual Retirement Accounts: Investing in Your Future

CERTIFICATES OF DEPOSIT*
Our competitive interest rates boost your savings potential.

RENEWABLE CERTIFICATES
Renewable certificates are available in term lengths from 91 days to 5 years. Account automatically renews for added convenience.

NON-RENEWABLE VARIABLE TERM CERTIFICATES
We offer non-renewable certificates of deposit in term lengths from 30 days to 5 years.

INDIVIDUAL RETIREMENT ACCOUNTS (IRA)**
Fund your retirement with our tax-advantaged IRA options. In addition to the accounts listed below, all renewable CD options are also available as IRA's.* On all certificate products, penalties may apply for early withdrawal of funds.

18-MONTH VARIABLE RATE IRA
The interest rate on this account will change automatically with the market.

• Additional deposits allowed
• Account automatically renews for added convenience
• Flexible savings vehicle for your retirement

30-MONTH FIXED RATE IRA
The interest rate and annual percentage yield on this account will not change and will be in effect until the account matures.

• Competitive interest rate helps build retirement savings
• Additional deposits allowed
• Account automatically renews for added convenience

* On all certificate products, penalties may apply for early withdrawal of funds
** On IRA's, tax penalty may be imposed for withdrawal prior to age 59 1/2