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FEATURES IRA Variable IRA Fixed IRA Money Market
To Open this Account CLICK HERE CLICK HERE CLICK HERE
Minimum Opening Deposit $100 $100 for 60 Month Term, $1,000 for 12 or 24 Month Term and $2,500 for 30 Month Term $500
Minimum Balance Needed to Obtain Annual Percentage Yield (APY) N/A N/A Maintain a minimum balance of $500 in the account each day to obtain the disclosed APY.
Minimum Balance Needed to Avoid Fees A monthly service charge fee of $3 will be imposed every month if the balance in the account falls below $100 any day of the month. $100 for 60 Month Term, $1,000 for 12 or 24 Month Term and $2,500 for 30 Month Term. A service charge fee of $25 will be imposed every statement cycle if the balance in the account falls below $500 any day of the cycle.
Visa Debit Card With qualified checking account  No  No  No
Telephone Banking Yes N/A Yes
Internet Banking Free Free Free
Rate Information Your interest rate and APY may change. You will be paid the disclosed interest rate until first maturity. Your interest rate and APY may change.
Frequency of Rate Changes Quarterly Fixed interest rate for applicable terms. We may change the interest rate on your account every month.
Determination of Rate At our discretion, we may change the interest rate on your account. At our discretion, we may change the interest rate on your account. At our discretion, we may change the interest rate on your account.
Compounding and Crediting Frequency Interest will be compounded every day. Interest will be credited to your account every quarter.  Interest rate determined at account opening and account maturity. The interest rate on your account will be related to the 13-week Treasury Bill plus .50 basis points.
Effect of Closing An Account If you close your account before interest is credited, you will not receive the accrued interest. If you close your account before interest is credited, you will not receive the accrued interest. If you close your account before interest is credited, you will not receive the accrued interest.
Early Withdrawal Penalties A penalty may be imposed for withdrawals before maturity. The fee we may impose will equal six months interest on the amount withdrawn subject to penalty. A penalty may be imposed for withdrawals before maturity. The fee we may impose will equal six months interest on the amount withdrawn subject to penalty. N/A
Daily Balance Computation Method 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. 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. 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.
Accrual of Interest on Non-Cash Deposits Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).  Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).  Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). 
"Common Features" fee chart applies. Yes Yes Yes
Transaction Limitations/Fees N/A N/A N/A