WWW.QNS.COM RIDGEWOOD TIMES JANUARY 23, 2020 5
Keep More of Your Money This Tax Season.
Saving more for retirement with a Ridgewood Flex IRA CD could mean paying less in taxes.¹
1.85%
1.95%
2.05%
APY2 APY2 APY2
10-Month Flex IRA CD
20-Month Flex IRA CD
30-Month Flex IRA CD
FREE umbrella!
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Open today with as little as $100 and add funds anytime.³
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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. 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. | 3. Additional contributions
must be made in at least $20 increments. | 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 Offer may be withdrawn at any time.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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