Quarterly account service charge $2.00 (   To avoid quarterly maintenance fee, maintain a minimum daily balance of $200.00.)

Frequency of rate changes: We may change the interest rate on your account at anytime.

Determination of rate: At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account every quarterly

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

Accrual of interest on non-cash deposits (for example, check): Interest accrues on your daily available balance

If you close your account before interest is credited, you will not receive the accrued interest

Account closing fee $25.00, if closed within 181 days of opening

Tax-advantaged account intended for saving for retirement

For additional fees, see Miscellaneous Fees and Charges

Contributions may be tax deductible depending on your participation in a qualified retirement plan and on your adjusted gross income

No IRS penalty for distributions on death, disability, or first time home buyers

For additional fees, see Miscellaneous Fees and Charges

Distributions are tax-free if taken as needed for qualified higher education expenses before the student reaches age 30

Earnings grow tax free

For additional fees, see Miscellaneous Fees and Charges

Contributions may continue after age 72 as long as you have earned income

Plus, earning is tax-free after five tax years if you are age 59 ½ or older if you are a first-time homebuyer

No IRS penalty for distributions on death, disability, or first time home buyers

For additional fees, see Miscellaneous Fees and Charges