IRA Retirement Accounts

IRAS

IRA Savings – We offer Traditional, Roth and Coverdell Educational:

IRA Share
Coverdell Educational Savings
IRA Certificates

We offer 1-, 2-, and 3-year Traditional, Roth IRA, and Coverdell Educational Certificates:

$1000 minimum deposit.

Dividends are compounded daily and posted monthly.

Penalty for early withdrawals.

After the certificate is opened, the dividend rate is fixed for the term.

Individual Retirement Accounts

Individual Retirement Accounts	APY (Annual Percentage Yield)	APY Peoples Preferred Club
6 month IRA Certificate	2.53%	2.63%
1 year IRA Certificate	3.67%	3.77%
18 months IRA Certificate	3.67%	3.77%
2 year IRA Certificate	3.51%	3.62%
3 year IRA Certificate	3.05%	3.15%
IRA*	0.76%	NA
Coverdell Educational Savings*	0.76%	NA

Rates subject to change.

*Prospective rate quoted is compounded daily – paid monthly

**Prospective rate quoted is compounded daily – paid annually

***$5,000.00 minimum opening balance. Prospective rate quoted is average daily balance – paid monthly

****$1,000.00 minimum deposit – compounded daily – paid monthly

Jumbo IRA Certificates

Jumbo IRA Certificates	APY (Annual Percentage Yield)	APY Peoples Preferred Club
$100,000.00 - $149,999.99
1 Year	3.82%	3.93%
2 Years	3.67%	3.77%
3 Years	3.20%	3.30%
$150,000.00 - $199,999.99
1 Year	3.87%	3.98%
2 Years	3.71%	3.82%
3 Years	3.25%	3.36%
$200,000.00 and over
1 Year	3.82%	3.93%
2 Years	3.77%	3.87%
3 Years	3.30%	3.41%

Compounded Daily – Paid Monthly.
Penalty may be imposed for early certificate withdrawal