• Certificates of Deposit
• Individual Retirement Accounts

Certificates of Deposit* (CDs)
are the perfect investment if you are seeking a higher interest rate and do not need immediate access to your funds. Unity National Bank offers you a wide variety of Certificates of Deposit to suit your needs. Our customer service representatives will be happy to assist you in finding a term that is right for you.

• Low minimum balance requirement of $500
• Specific interest and maturity set at time of purchase
• Terms: three months to five years
• Interest may be mailed by check to customer monthly or quarterly or may be deposited directly into your Unity checking account
• Longer terms earn higher rates of interest

*A penalty may be imposed for early withdrawal from a Certificate of Deposit.
Interest compounded daily.

Individual Retirement Accounts

Smart retirement planning should begin early in order to live the American dream after retirement. The chances are good that government and employer pension support will not carry retirees through the later years.

As you plan, don't forget that traditional IRAs are considered a good tax-deferred option for most people because you pay no taxes on the income earned until the money is withdrawn, which is usually after retirement.

If you have questions, we are here to help. Please ask any of our Customer Service Representatives and they will be glad to assist you.

$500 minimum opening deposit required.

**A penalty may be imposed for early withdrawal from an IRA. If you withdraw funds from your IRA before you reach age 59 1/2, certain Internal Revenue Service penalties may apply. Please consult your tax advisors before you make early withdrawals from your IRA. Interest compounded daily. Individual Retirement Arrangements (Publication 590) is available from the Internal Revenue Service. For delivery via US Postal Service, call 1-800-TAX-FORM (1-800-829-3676). The publication can be downloaded at http://www.irs.gov. Under Search Forms and Publications, type 590 and click GO

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