South Adams Savings Bank Certificates of Deposit

CERTIFICATES OF DEPOSIT AND IRAS

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Short Term Certificates of Deposit

	Automatic renewal A variety of terms ranging from 3 months to 6 months Minimum balance to open $2,500 Available in passbook or statement formats Accounts pay simple interest on the principal balance. Interest does not compound. Funds may be added at maturity Fully insured by the FDIC/DIF Interest can be withdrawn any time after it is posted As with most CDs there is a penalty for early withdrawal of principal

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Long Term Certificates of Deposit

	Automatic renewal A variety of terms ranging from 1 year to 5 years Minimum balance to open $1,000 Available in passbook or statement formats Interest is compounded daily Funds may be added at maturity Fully insured by the FDIC/DIF Interest can be withdrawn any time after it is posted As with most CDs there is a penalty for early withdrawal of principal

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IRA Certificates of Deposit
South Adams Savings Bank offers a choice of IRA Plans including Traditional IRAs, Roth IRAs and Educational IRAs. Please contact a customer service representative or tax advisor to determine which plan best suits your financial needs. To support your investment needs South Adams Savings accepts IRA rollovers, transfers and direct rollovers.

All our IRAs feature:

	A variety of CD terms ranging from 3 months to 5 years Funds may be added at maturity Fully insured by the FDIC/DIF $8.00 annual fee

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To best serve its customers, South Adams Savings Bank will only accept deposits from residents of Berkshire County and the contiguous Northern Berkshire County market area or from any existing and former customers.