Rates- Individual Retirement Account (IRA)

Interest Rates and Annual Percentage Yields are curent as of 07/02/2008 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	2.03%	2.05%	Quarterly	$500.00
9 Months	3.06%	3.10%	Quarterly	$500.00
12 Months	2.08%	2.10%	Quarterly	$500.00
14 Months	2.08%	2.10%	Quarterly	$500.00
18 Months	2.08%	2.10%	Quarterly	$500.00
24 Months	2.23%	2.25%	Quarterly	$500.00
30 Months	2.28%	2.30%	Quarterly	$500.00
36 Months	2.38%	2.40%	Quarterly	$500.00
48 Months	2.72%	2.75%	Quarterly	$500.00
Variable Rate IRAs
18 Months	1.89%	1.90%	Monthly	$0.00

Equal Opportunity Employer