Personal Savings 1
Certificate of Deposit Use a Certificate of Deposit to maximize your savings for a fixed period of time Features & Benefits: • Fixed interest rate, compounded daily 18 • Deposits are insured by the FDIC to at least $250,000 • Choose a flexible savings term between 28 days and 5 years 17 • Earn a competitive interest rate on money you don’t need to access right away • Save for retirement by opening an IRA Certificate of Deposit 19 Withdrawals: Early withdrawal/closure penalties may be assessed when principal is withdrawn from a CD prior to the maturity date Fees: There are no monthly maintenance fees for Certificates of Deposit. There is an annual maintenance fee of $15 per plan holder for IRA Certificates of Deposit. IRA Money Market Save for retirement with a product that gives you the flexibility to make additional deposits automatically or as needed Features & Benefits: • Earn a Money Market interest rate while saving for retirement • Make additional deposits to your account at any time • Deposits are insured by the FDIC to at least $250,000 20 Withdrawals: Withdrawals made from an IRA account before age 59 1/2 may be subject to federal taxes and penalties. Please consult your tax adviser before making withdrawals from an IRA account. 19 Fees: There is no monthly maintenance fee with this account. There is an annual maintenance fee of $15 per plan holder.
For additional applicable disclosures, please refer to pages 13 – 15 10
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