Personal CD & IRA Product Comparison


Personal CD Hoops CD Graduation CD 9-Month Preferred CD IRA
Available Terms 7 days - 5 years 12 months 5 - 7 years 9 months 7 days - 5 years
Minimum to Open $1,000 $2,500 $50 $1,000 $50
Minimum to Earn Interest* $1,000 $2,500 $50 $1,000 $50
Interest Payment Options See Note** At maturity Annually See Note** See Note**
Transaction Limits Partial Withdrawals or Additional Deposits are not permitted Partial Withdrawals or Additional Deposits are not permitted Additional Deposits are permitted Partial Withdrawals or Additional Deposits are not permitted Please consult a tax advisor for IRS regulations regarding transaction limits on IRAs
Early Withdrawal Penalty See Note*** 6 months' interest 6 months' interest No penalty after 7 days; 3 months' interest if redeemed within 7 days Please consult a tax advisor for IRS regulations regarding penalties on IRAs
Online Access
Available Upon Request
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Notes

Notes
* Amount indicated is the ledger balance required to earn interest.
** If the account balance is less than $5,000, interest is paid quarterly by adding to the CD or by transfer to another deposit account. If the account balance is greater than $5,000, interest may be paid monthly by check, adding to the CD or by transfer to another deposit account. For terms of 7, 30, 60, or 90 days, interest may be paid at maturity.
*** If term is 7 - 91 days, penalty is 1 months' interest. If term is 92 days - 1 year, penalty is 3 months' interest. If term is greater than 1 year, penalty is 6 months' interest.


Visit your local branch for additional information about applicable terms and fees and current interest rates and annual percentage yields.