First Federal’s IRAs offer a competitive return on your investment that not only increases your wealth, but can offer the added advantage of tax deductibility*. We offer a variety of IRA accounts including Traditional, ROTH, Coverdale Educational Savings and SEP. Lock in the rate and the term you want and receive guaranteed returns. Reduce your taxes today* and build your retirement at the same time.

Features and Requirements Include: Potentially tax deductible and tax deferred* FDIC insured Interest compounded monthly Available in Traditional, ROTH, Coverdale Educational Savings and SEP formats $500 minimum deposit required Potential penalty for early withdrawal before the age of 59-1/2 Variable rate plans also available††

Maturity Interest Rate APY Rate 14 Months 1.000% 1.000% 25 Months 1.440% 1.450% 35 Months 2.200% 2.220% 59 Months 2.520% 2.550%   Interest compounded at maturity only. *$5,000 minimum balance required to receive monthly checks ** Annual Percentage Yield (APY) is based on interest being compounded †With checking. **Interest Rates Effective 7/19/2010 and are subject to change.