Certificates of Deposit
At a Glance:	A term deposit account that offers a preferred rate in exchange for a commitment to leave funds on deposit for a set period of time
Minimum Balance:	$500.00
Rates:	Click here for current rates.
Fees:	Penalty fee accessed, based on term, for withdrawal of funds before term    expires.
Terms and Conditions:	The Interest Rate and Annual Percentage Yield are subject to change.     A penalty may be imposed for withdrawals before maturity - The penalty   will be an amount equal to (a)  Forfeiture of 30 days interest on amount   withdrawn with an original maturity of one year or less or (b)  Forfeiture   of 90 days interest on amount withdrawn with an original maturity of   more than one year.     There is no penalty for the early withdrawal of funds form the Certificate   of Deposit upon the death of the depositor, when the depositor is disabled   according to the Internal Revenue Code, is legally declared incompetent by    a court or other administrative body.     The Certificate of Deposit will automatically renew at maturity.  The   customer will have ten calendar days after maturity to withdraw the funds   without a penalty.     For more questions and answers about CDs, please contact us at (402)   238-2245.

Individual Retirement Account (IRA)
At a Glance:	A deposit account that earns interest at the same rate and terms as a certificates of deposit but the tax on the earnings is deferred until you make withdrawal from the account. Under certain conditions on a Roth IRA and an education IRA the withdrawals are tax free.
Minimum Balance:	$500.00
Rates:	The same rates and terms available for Certificates of Deposit are available for IRA’s. Click here for current rates.
Fees:	Penalty fee accessed, based on term, for withdrawal of funds before term   expires. In addition there can be a 10% IRS premature withdrawal penalty   if taken out before the age of 59 ½. See product documents for full   disclosure of all fees for the type of IRA that you are interested in.
Terms and Conditions:	The Interest Rate and Annual Percentage Yield are subject to change.      A penalty may be imposed for withdrawals before maturity - The penalty will   be an amount equal to (a)  Forfeiture of 30 days interest on amount   withdrawn with an original maturity of one year or less or (b)  Forfeiture of   90 days interest on amount withdrawn with an original maturity of more than   one year.     There is no penalty for the early withdrawal of funds form the IRA Certificate   of Deposit upon the death of the depositor, when the depositor is disabled   according to the Internal Revenue Code, is legally declared incompetent by a   court or other administrative body, or is a required minimum distribution.      The IRA Certificate of Deposit will automatically renew at maturity.  The   customer will have ten calendar days after maturity to withdraw the funds   without a penalty.     For more questions and answers about IRAs, please contact us at (402)   238-2245.