Three Rivers FCU IRA Rates
Rates as of 11/01/2008

Roth IRA's and Coverdell Education Savings Accounts
Roth and Education IRA accounts monthly rate will be variable based on the 3 month Treasury Bill rate published by Dow Jones on the first day of the preceding month. Dividends are calculated on the daily balance, compounded monthly and credited to the account at the end of the month. Dividends begin to accrue upon deposit.			Dividend Rate 0.53% APY 0.53%
Traditional IRAs/SEPs
No minimum balance required. Dividends are calculated on the daily balance, compounded monthly and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Share Certificate rates for 6, 12, 24, 30, 36, 48 and 60 months are available for all IRA products.			Dividend Rate 1.70% APY 1.71%
Payment of Dividends Dividends are paid from current income and available earnings after required transfers to reserves are made at the end of a dividend period. Dividends are not guaranteed. The rates appearing in this Rates Page are accurate and effective for share accounts and loans as of the date indicated. If you have any questions or require current rate information on your accounts, please call a Credit Union Representative.
APY=Annual Percentage Yield Savings and Sharedrafts are insured up to $100,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $350,000. IRAs are also insured up to $500,000.


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