IRA Rates

IRA Term	Minimum Deposit*	Interest Rate	APY*
IRA 90 - 179 Days	$500.00	1.75%	1.76%
IRA 180 - 239 Days	$500.00	2.00%	2.01%
IRA 240 - 364 Days	$500.00	3.30%	3.30%
IRA Trad/Roth/Ed 365 Days - 29 MOS	$500.00	2.00%	2.00%
IRA Trad/Roth/Ed 30 MOS - 59 MOS	$500.00	4.05%	4.05%
IRA 60 MOS - and Over	$500.00	3.00%	3.00%
IRA Variable Rate - 18 MOS	$100.00	2.00%	2.00%
Education IRA 12 MOS (CESA)**	$100.00	2.00%	2.00%
ROTH IRA 12 MOS	$500.00	2.00%	2.00%

* Minimum deposit to open and obtain stated APY.
The annual percentage yield assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.

APY means Annual Percentage Yield. Rates subject to change without notice. Penalty for early withdrawal.

**The rate may change after account opening at the bank's discretion.

***Coverdell Education Savings Account (CESA)

If you have any questions about our rates and services, please contact (305)569-5000.

To open your Ocean Bank IRA today, just visit any one of our convenient locations.

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