March 10, 2010

Certificates of Deposit and Individual Retirement Accounts (IRAs)
Our certificates of deposit and individual retirement accounts help you maximize your earnings. We offer a wide range of terms with low balance requirements. Complete account disclosures for these accounts are available upon request.

Fixed Rate Certificates of Deposit

• Terms available from 3 months up to 5 years
• Open with as little as $1,500
• Monthly interest payment option - check, transfer or growth
• Interest is credited and compounded monthly

Low Minimum-to-Open 6 month Fixed Rate Certificate of Deposit
Open with just $250
Interest is credited and compounded monthly.This account is opened through a referral from a participating community service agency. Please contact the Bank’s CRA Officer at 302-884-6566 for more information.

7 Month No Penalty Certificate of Deposit
Not sure which way interest rates are going? You don't need to be locked.

• Close anytime you wish after first 7 days
• No penalty for early withdrawal
• Minimum to open is only $1,500
• Interest is credited and compounded monthly

Individual Retirement Accounts
You can choose the plan that makes sense for you: Roth, Educational, or Traditional IRAs

• Fixed rates on 6 month to 5 year terms available
• Fixed rates IRAs open with as little as $500
• One year variable rate IRA pays the 5 year CD rate available the first of each month
• Interest is credited and compounded monthly
• Open one year variable rate IRA for as little as $100