---

Whether you are saving for a rainy day, college, vacation or even retirement, we have just the account for you. Call or stop in to open an account.

---

Certificates of Deposit (CDs)

• All Certificates of Deposit are subject to an early withdrawal penalty
• Interest payable monthly, quarterly, semi-annual, annual or at maturity
• Interest payable by deposit or check
• Fees and withdrawals could reduce the earnings on accounts

---

Individual Retirement Accounts (IRAs)

Individual Retirement Accounts (IRAs) are a great way to prepare for retirement and save taxes. With a traditional IRA, taxes on contributions and earnings are deferred so that, after retirement, you pay taxes only on what you take out of your account. With a Roth IRA, you cannot take a tax deduction for your contributions, but earnings are tax-free.