AllPoint
 
 

Invest in your future with us. Start an IRA with only $100.00. We offer regular IRA's, Roth IRA's, and Educational IRA's, whichever meets your needs.

 
 IRAs
 Minimum Deposit to Open
Term
12 Month $100.00
18 Month $100.00
 Minimum Balance to obtain APY*
Term
12 Month $100.00
18 Month $100.00
 Interest Rate**
Term
12 Month 3.15%
18 Month 3.39%
 Annual Percentage Yield**
Term
12 Month 3.25%
18 Month 3.50%
 Account Terms
  • The interest rate for your account will be paid until the maturity of date of your certificate.
  • Interest is compounded daily and is credited to your account monthly.
  • Interest begins to accrue on the business day you deposit non-cash items (For example, checks).
  • This account will automatically renew at maturity. You will have seven (7) calendar days from the maturity date to withdraw your funds before being charged a penalty.
  • We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.
  • Exception: IRA 12 and 18 month certificates additions permitted in any amount at anytime.
  • All IRA and Keogh closeouts will be assessed a $25 fee.
  • All collection items are $25 per item.


Rates Effective March 24, 2007
*Daily Balance (the amount of principal in the account each day).
Annual percentage yield assumes that interest remains on deposit.
**Rates subject to change without notice. Please call 201 339-4600 for current rates.

 

 

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