Take Shelter
This IRA Season.
Saving more for retirement could mean
paying less in taxes.¹ Open an IRA today with
as little as $100 and add funds anytime.²
2.05% Flex IRA CD
APY3
FREE umbrella!a!
With a deposit
Caribbean Life, January 17-23, 2020 27
(877) 417-6547
www.ridgewoodbank.com
10-Month
Flex IRA CD
20-Month
Flex IRA CD
30-Month
1.85%APY3
1.95%APY3
1. Please consult your tax advisor. Contributions permitted up to legal limits. Deposits to an
existing IRA account will be reported by the Bank for the year in which the deposit was
received by the Bank. In order for a deposit to an existing IRA account to be reported for
the prior calendar year, the deposit must be made in person and received by the Bank
prior to the applicable IRS deadline. | 2. Additional contributions must be made in at least
$20 increments | 3. Annual Percentage Yield. Early withdrawal penalties apply to Flex IRA
CD accounts. Each Flex IRA CD may only be opened as part of an Individual Retirement
Account relationship. Rates and terms are accurate as of 1/13/2020 and are subject
to change without notice. Fees could reduce earnings. Maximum deposit is $250,000.
Retirement accounts held by a person at Ridgewood Savings Bank are generally insured
by the FDIC up to a total of $250,000. Additional terms and conditions apply. | 4. Free gift
given after any amount of new money is deposited into a Ridgewood Flex IRA CD. We
reserve the right to substitute an item of similar value. Offer may be withdrawn at any time.
© 2020 Ridgewood Savings Bank. All rights reserved. Member FDIC
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