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Shares | Share Certificates | Individual Retirement Accounts
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Traditional, Roth, and Educational IRA's |
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| Account Name | Rate Type | Minimum Opening Balance | Minimum to Earn Dividend | Dividend Rate | Annual Percentage Yield | Dividend Declraration Date |
| 6 Month IRA | Fixed | $500.00 | $500.00 | 0.15% | 0.15% | 11/1/2011 |
| 1 Year IRA | Fixed | $500.00 | $500.00 | 0.30% | 0.30% | 11/1/2011 |
| 2 Year IRA | Fixed | $500.00 | $500.00 | 0.40% | .0.40% | 11/1/2011 |
| 3 Year IRA | Fixed | $500.00 | $500.00 | 1.20% | 1.21% | 11/1/2011 |
| 5 Year IRA | Fixed | $500.00 | $500.00 | 1.70% | 1.71% | 11/1/2011 |
| Educational IRA Certificate | Fixed | $250.00 | $250.00 | 0.40% | 0.40% | 11/1/2011 |
| The credit union board of directors establishes dividend rates and annual percentage yields (APY) monthly. All dividends are compounded daily and paid monthly and at maturity. The dividend rate and APY were accurate as of the effective date above. Fees may reduce earnings. On term certificates the APY is based on the assumption that dividends remain on deposit within the account during the dividend period; withdrawals will reduce earnings; there are penalties for early withdrawal. IRA Accounts are separately insured to $250,000 by the National Share Insurance Fund, a U.S. Government Agency. |
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