SAVINGS  •  CERTIFICATES OF DEPOSIT INDIVIDUAL RETIREMENT ACCOUNT SAVINGS Money Market Account • Minimum opening deposit of $1000.00 • Earns competitive interest rate - based on balance tiers • Minimum ledger balance of $1000.00 to avoid $8.00 monthly service charge • Account limited to 6 withdrawals/transfers per month, 3 of which may be payable to third parties • Monthly statement with check images Blue Chip Passbook Savings • Minimum opening deposit of $100.00 • Earns competitive interest rate • Account limited to 6 withdrawals/transfers per month, with no transfers by check, draft or similar written order to third parties Christmas Club Savings • Minimum opening deposit of $1.00 • Earns competitive interest rate ^ back to top CERTIFICATES OF DEPOSIT • Minimum opening deposit of $1000.00 • Earns competitive interest rate based on certificate term • Savings terms available from 1 month to 60 months • A penalty may be imposed for early withdrawal ^ back to top INDIVIDUAL RETIREMENT ACCOUNT Traditional - 18 Month CD Variable Rate • Minimum opening deposit of $100.00 • Earns competitive interest rate • A penalty may be imposed for early withdrawal • Balance of $100.00 required to obtain disclosed annual percentage yield Roth - Fixed Rate • Minimum opening deposit of $1000.00 • Earns competitive interest rate based on certificate term • Savings terms available from 6 months to 60 months • A penalty may be imposed for early withdrawal Roth - Variable Rate • Minimum opening deposit of $100.00 • Earns competitive interest rate based on certificate term • Savings terms of 18 months and 60 months • A penalty may be imposed for early withdrawal ^ back to top