Rates- Individual Retirement Account (IRA)

Interest Rates and Annual Percentage Yields are curent as of 01/27/2012 and are subject to change.  For current rate information call (989) 865-9945. This chart is intended for informational purposes only. It does not take the place of the formal Truth-In-Savings Disclosures.  Please contact us for complete account information

IRA Rates Interest Penalty may be imposed for early withdrawal
Term	Rate	APY	Compounding Frequency	Minimum Opening Balance
Fixed Rate IRAs
6 Months	.20%	.20%	Quarterly	$500.00
9 Months	.20%	.20%	Quarterly	$500.00
12 Months	.30%	.30%	Quarterly	$500.00
14 Months	.30%	.30%	Quarterly	$500.00
18 Months	.30%	.30%	Quarterly	$500.00
24 Months	.50%	.50%	Quarterly	$500.00
30 Months	.50%	.50%	Quarterly	$500.00
36 Months	.65%	.65%	Quarterly	$500.00
48 Months	.95%	.95%	Quarterly	$500.00
60 Months	1.15%	1.15%	Quarterly	$500.00
Variable Rate IRAs
18 Months	.04	.04%	Monthly	$0.00