| Personal IRA Certificate Accounts |
| Type | Rate Type | Dividend Frequency | Dividend Rate | APY | | 06 Month IRA | Variable Rate | Monthly | 1.342% | 1.350% | | 12 Month IRA | Fixed Rate | Monthly | 1.638% | 1.650% | | 18 Month IRA | Fixed Rate | Monthly | 1.687% | 1.700% | | 30 Month IRA | Fixed Rate | Monthly | 1.884% | 1.900% | The Dividend Rate and Annual Percentage Yield (APY) on our Individual Retirement Accounts (IRAs) are reflected in the chart above. The Rate and APY are those that we offered during the most recent seven calendar days and were accurate as of the date of this document. The Dividend Rate and APY may change as indicated in our Disclosures. |