IRA Certificates

Renewal Disclosures for Prior Certificates offered

8 month special: Automatically renewable account: This account will automatically renew to a 12 month certificate. You may prevent renewal if you withdraw the funds at maturity (or within the grace period mentioned below, if any) or if we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, your funds will be placed in a dividend bearing account.
Each renewal term will be the same as the 12 month certificate, beginning on the maturity date. The dividend rate will be the same as we offer on regular new term share certificate accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account.
You will have a grace period of five calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. During the five day grace period no dividends will be earned.

13 month special: Automatically renewable account: This account will automatically renew to a 12 month certificate. You may prevent renewal if you withdraw the funds at maturity (or within the grace period mentioned below, if any) or if we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, your funds will be placed in a dividend bearing account.
Each renewal term will be the same as the 12 month certificate, beginning on the maturity date. The dividend rate will be the same as we offer on regular new term share certificate accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account.
You will have a grace period of five calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. During the five day grace period no dividends will be earned.

42 month special: Automatically renewable account: This account will automatically renew to a 48-month certificate. You may prevent renewal if you withdraw the funds at maturity (or within the grace period mentioned below, if any) or if we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, your funds will be placed in a dividend bearing account.
Each renewal term will be the same as the 48-month certificate, beginning on the maturity date. The dividend rate will be the same as we offer on regular new term share certificate accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account.
You will have a grace period of five calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. During the five day grace period no dividends will be earned.

9 month special: Automatically renewable account: This account will automatically renew to a 12 month certificate. You may prevent renewal if you withdraw the funds at maturity (or within the grace period mentioned below, if any) or if we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, your funds will be placed in a dividend bearing account.
Each renewal term will be the same as the 12 month certificate, beginning on the maturity date. The dividend rate will be the same as we offer on regular new term share certificate accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account.
You will have a grace period of five calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. During the five day grace period no dividends will be earned.

46 month special: Automatically renewable account: This account will automatically renew to a 48-month certificate. You may prevent renewal if you withdraw the funds at maturity (or within the grace period mentioned below, if any) or if we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, your funds will be placed in a dividend bearing account.
Each renewal term will be the same as the 48-month certificate, beginning on the maturity date. The dividend rate will be the same as we offer on regular new term share certificate accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account.
You will have a grace period of five calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. During the five day grace period no dividends will be earned.