Traditional & Roth IRA

Rate Information: Your interest rate and annual percentage yield may change. Frequency of rate changes: We may change the interest rate the first business day of each quarter. 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 quarter. Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate of the principal in the account each day. Accrual of interest on non-cash deposits: Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks). Fees: A debit item fee of $2.00 will be charged for each debit transaction withdrawal, check paid, automatic transfer, or payment of this account.