*500 minimum is required on all Certificates of Deposit

*91 Day is compounded at Maturity

** Compounded quarterly

ESB Financial uses the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The principal upon which interest will be paid will be the collected balance. The collected balance on any particular day is the ledger balance less any float connected with the current or previous day’s deposits.

*91 Day CD
*182 Days to 11 Months
*12 to 17 Months
*18 to 23 Months
*24 to 29 Months
*30 to 35 Months
*36 to 47 Months
*48 Months
**60 Months
***18 Month Variable

*Available for IRA-$500
Minimum Deposit
91 Day compounded at Maturity
All others compounded quarterly

** Available ONLY for New Roth IRA-$2000.00 Limit

***$25 Minimum Deposit - Rate adjusted quarterly and
compounded quarterly

Maximum Contributions

Year	Amount
2005-2007	$4,000
2008 and beyond	$5,000, plus potential COLA increases in $500 increments beginning in 2009

Contributions may continue until the age of 70 ½ as long as you have earned income

Distributions may be taken penalty free after the age of 59 ½

Required distributions must begin at the age of 70 ½

One rollover per 12 month period is allowed and is reported to the IRS

Unlike rollovers, a transfer can occur any time and is not reported to the IRS