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.

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Individual Retirement Accounts

Individual Retirement Accounts	APY (Annual Percentage Yield)	APY Peoples Preferred Club
6 month IRA Certificate	3.05%	3.15%
1 year IRA Certificate	4.08%	4.19%
18 months IRA Certificate	4.08%	4.19%
2 year IRA Certificate	4.34%	4.44%
3 year IRA Certificate	4.08%	4.19%
IRA*	0.76%	NA
Coverdell Educational Savings*	0.76%	NA

*Prospective rate quoted is compounded daily – Paid Monthly.
$1,000.00 Minimum Deposit – Compounded Daily – Paid Monthly.
Penalty may be imposed for early certificate withdrawal

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Jumbo IRA Certificates

Jumbo IRA Certificates	APY (Annual Percentage Yield)	APY Peoples Preferred Club
$100,000.00 - $149,999.99
1 Year	4.24%	4.34%
2 Years	4.34%	4.44%
3 Years	4.34%	4.44%
$150,000.00 - $199,999.99
1 Year	4.29%	4.39%
2 Years	4.39%	4.49%
3 Years	4.39%	4.49%
$200,000.00 and over
1 Year	4.34%	4.44%
2 Years	4.49%	4.61%
3 Years	4.49%	4.61%

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

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