Variable Rate Individual Retirement Accounts Available to any person with earned income who is under the age of 70 1/2. A substantial penalty will be imposed for early withdrawal of IRA funds. FDIC Insured. Rate (%) APY (%)* 2.50 2.52 * Annual Percentage Yield ** Interest is compounded quarterly *** Rates valid as of 01/06/09. Variable Rate IRA Disclosure Electronic Fund Transfers: Your Rights and Responsibilities Terms and Conditions of Your Account Truth in Savings Disclosure Your Ability to Withdraw Funds