Savings, Certificates of Deposit, and IRAs Rates

Effective Date: 8/10/2010

iOwn Savings Account
Average Daily BalanceAnnual Percentage Yield
$100,000 or more 0.60%

$25,000 to $99,999.99

 0.45%
$10,000 to $24,999.99 0.35%
$2,500 to $9,999.99 0.25%
$0 to $2,499.99 0.20%

The Annual Percentage Yield may change at any time. The annual percentage yield assumes interest remains on deposit until maturity. Any withdrawals could reduce earnings. For more information on terms, rates, or products, please contact us.

Certificates of Deposit (CDs)
TermMinimum DepositAnnual Percentage Yield
91 Day $1,500 0.30%
6 Months $1,500 0.40%
1 Year $1,500 0.80%
2 Years $1,500 1.26%
3 Years $1,500 1.51%
4 Years $1,500 1.76%
5 Years $1,500 2.27%

The Annual Percentage Yield may change at any time. The annual percentage yield assumes interest remains on deposit until maturity and funds are renewed at the same rate and remain on deposit for one year. Any withdrawals could reduce earnings. A penalty may be imposed for early withdrawal. For more information on terms, rates, or products, please contact us.

Individual Retirement Accounts (IRAs)
TermMinimum DepositAnnual Percentage Yield
1 Year $500 .90%
2 Years $500 1.36%
3 Years $500 1.61%
4 Years $500 1.87%
5 Years $500 2.38%
4 Year Variable *
 N/A 1.51%

* Annual Percentage Yield applies to accounts opened after 7/1/2009.
The Annual Percentage Yield may change at any time. The annual percentage yield assumes interest remains on deposit until maturity. Any withdrawals could reduce earnings. A penalty may be imposed for early withdrawal. These yields may be applied to either a Traditional or a Roth IRA. Ask your financial advisor about which may benefit you most. For more information on terms, rates, or products, please contact us.