• Tax benefits
• Competitive rates (subject to change monthly)
• No set-up or maintenance fee
• Annual statements

Variable Rate Savings IRA:

• Minimum deposit required
• Additional deposits allowed
• Rate is based on highest rate paid
on a 5 year CD

• Closing fee if under age 59 1/2
(some exceptions apply)

IRA Certificates of Deposit:

• Several fixed rate terms from which to choose
• Subject to early withdrawal penalty
(some exceptions apply)

SEP’s