Personal/Individual Retirement Accounts

• Provides retirement income to supplement Social Security
• Available to any depositor with earned income
• Opening deposit as low as $500
• No set-up fees
• Additional deposits allowed in any amount up to maximum allowed by law
• You may choose a fixed or variable rate
• Flexible terms 6 months, 18 months, 30 months
• Account automatically renews at each maturity- no action required
• Begin withdrawing as early as age 59 ½ or defer withdrawal until age 72
• Annual accounting provided reflecting all activity
• Deposits are separately insured from your other Delta Bank Deposits up to $250,000