All rates are subject to change at the Bank's discretion based on current market conditions. These rates are effective April 24, 2013.
IRA RATES (TRADITIONAL, ROTH & EDUCATION)*
  Minimum Opening Deposit Interest
Rate		 APY
Annual Percentage Yield
Fixed Rate 12 Month $250 .20% .20%
15 Month
One-time step up option		 $2,500 .20% .20%
18 Month $250 .30% .30%
24 Month $250 .35% .35%
30 Month $250 .40% .40%
36 Month $250 .50% .50%
48 Month $250 .65% .65%
60 Month $250 1.05% 1.05%
5 Year Step Up $250 .95% .95%
72 Month $250 1.14% 1.15%
**18 Month Floating Rate $250 .30% .30%

* A penalty is imposed for early withdrawal from an IRA.

**Rate changes as Rate on Fixed Rate 18 Month CD changes.