Balance	Interest Rate	Annual Percentage Yield
$1.00	.34	.35

Start saving now for your retirement with an IRA or SEP account with Creighton Federal. IRA's are tax deferred savings plans that can also provide an immediate tax deduction for those who qualify. IRA deposits can be in either an IRA savings account or IRA certificate account. Both offer the highest rates available at Creighton Federal. With automatic payroll deduction, building a retirement account can be easy. Features Include:

• IRA Savings account minimum balance is $5.00
• IRA Certificate minimum balance is $1,000.00
• Terms of IRA Certificates are available from 90 days to 60 months

E-Statements
Receive your Creighton Federal monthly and quarterly statement electronically, via email file attachment. Enjoy the convenience of FREE E-Statements any place with an internet connection. You get:

1. Faster receipt - receive your E-statement up to one week faster than printed statements.
2. Printable - your E-statement can be printed if you need or want a hard copy.
3. On-line archive - we'll keep your statements for you. Your E-statement will be archived on our secure server and available on demand for up to six months. It's FREE.

A Creighton Federal E-Statement is our newest FREE service designed to make your life a little bit easier. To enroll, log into E-statement registration. IRA Savings accounts are variable rate accounts, therefore, rates may change after the account is open.

IMPORTANT DISCLOSURES
The following information is provided to you pursuant to the requirements of the Truth in Savings Act and Regulation DD of the Federal Reserve Regulations. Regulation DD requires depository institutions to disclose the terms of deposit accounts to consumers. However, the terms described in this disclosure are subject to change at any time.
DEPOSIT CONSUMER ACCOUNTS The following disclosures apply to deposit consumer accounts maturing in more than one month and that are automatically renewable:
Rate Information: Individual Retirement Accounts (IRAs): The Annual Percentage Yield for IRA accounts is as follows: For IRA Savings Accounts - 0.35%. The Interest Rate for IRA accounts is as follows: For IRA Savings Accounts - 0.34%. The Annual Percentage Yield and the interest rate may change. Changes to these yields and rates are within Creighton Federal Credit Union’s discretion.