Please call us for our current interest rate and APY on the 18 month IRA.

If your daily balance is less than $1,500, the interest rate paid on the entire balance will be lower than if your daily balance is $1,500 or more. At our discretion, we may change the interest rate on your account at any time, which in turn may change you annual percentage yield. Interest will be compounded daily on a 365 day basis. Interest will be credited to your account quarterly on a 365 day basis. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

If you are less than 59 1/2 years of age, we may impose a penalty if you withdraw any of the deposited funds before the maturity date. The fee imposed will equal 90 days of interest. (Please refer to your IRA/KEOGH agreement for other fees and penalties which may be imposed by State or Federal Agencies.)

A minimum deposit of $100 is required to open this account. This account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

The following fees may be assessed against your account:

18 MONTH COVERDELL EDUCATION SAVINGS ACCOUNT
CERTIFICATE OF DEPOSIT ACCOUNT

Please call us for our current interest rate and APY on the 18 month ESA.

If your daily balance is less than $1,500, the interest rate paid on the entire balance will be lower than if your daily balance is $1,500 or more. At our discretion, we may change the interest rate on your account at any time, which in turn may change your annual percentage yield. Interest will be compounded daily on a 365 day basis. Interest will be credited to your account quarterly on a 365 day basis. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

We may impose a penalty if you withdraw any of the deposited funds before the maturity date for non-qualified distributions. The fee imposed will equal 90 days of interest. (Please refer to your Coverdell Education Savings Account agreement for other fees and penalties, which may be imposed by State or Federal Agencies.) There is no early withdrawal penalty for any qualified education expense distribution from the account.

A minimum deposit of $100 is required to open this account. Contributions can be made until the beneficiary of the account reaches the age of eighteen. This account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

The following fees may be assessed against your account: