Individual Retirement Accounts (IRA's)

• All accounts can be opened as Roth or "Traditional"

Fixed Rate IRA's

• Terms of 1,2,3 & 5 years available
• Minimum opening deposit is $500
• Additional deposits accepted with same interest rate and maturity date as original account
• Interest compounded daily - credited monthly

Variable Rate IRA

• Account has 18 month term
• Minimum opening deposit is $100
• Additional deposits accepted with same maturity date as original account
• Rate subject to adjustment weekly based on overall market conditions
• Interest compounded daily - credited monthly

Money Market IRA

• Account has no term so funds can be withdrawn at any time without bank penalty
• Minimum opening deposit is $100
• Rate subject to change weekly
• Interest compounded daily - credited monthly
• SEP (Simplified Employee Pension Plan), Keough and Simple IRA plans are offered by employers as an employee benefit and are available at SCBT