---Is your money working hard enough for you?
Does it provide the growth potential you want? Do
you want a maximum return with a higher degree of
risk, or do you desire less risk and less aggressive
growth? Do you want a short or long term outlook?
Do you like foreign investment? Stocks? Bonds?
Mutual Funds?
---No matter how you want your money to perform,
we can help make sure that it’s in the right place at the
right time to do exactly what you want it to do. We
offer a full-range of investment accounts and services
for you to choose from, so take a look and see which
ones might interest you.
| Certificates of Deposit |
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| Individual Retirement Accounts |
- Certificates of Deposit
- Available with terms of 31 days to 60 months
31 Day 3,6,12 Month 18, 24, 30, 48, 60 Month Calculated Daily Compounded & Credited every 31 days Calculated Daily, Compounded & Credited quarterly Minimum Opening Deposit: $500 $500 $500 Limitations - Deposit Not allowed before Maturity - Withdrawal Penalties assessed on principal withdrawals before maturity - Interest
WithdrawalsCan be made on any interest that has been earned and credited
| -----11 | - Deposits of $100 or more allowed at any time . - For most people, IRA contributions are tax deductible. - IRA funds grow tax-deferred until withdrawal. - There is a penalty for early withdrawal of funds. - Mandatory withdrawals must begin when customer reaches 70-1/2. - Renews automatically for same term at the current rate at time of renewal - Call for current rates |
| ***** | - Deposits of $100 or more allowed at any time. - This is a non-deductible account. - There are no mandatory withdrawals from this account. - Withdrawals for certain reasons are tax free after a 5 year holding period: - Distributions after you reach 59-1/2 - Distributions to your beneficiary (or your estate) upon your death. - Distributions attributable to you being disabled. - Qualified first-time home buyer distributions up to $10,000. - Renews automatically for same term at current rate at time of renewal. - Call for current rates. |
| ***** | - Deposits of $100 or more allowed at any time. - This is a non-deductible account. - Qualified early withdrawals for a child’s higher learning expenses are penalty free and tax free Tuition, fees, books, supplies, and equipment required enrollment or attendance at an eligible higher education institution. Distribution must be made during the year expenses occurred). -Renews automatically for same term at the current rate at time of renewal. - Call for current rates |
| --------- | - Available to Sole Proprietor, Partnership, Corporation, or any other business entity. - For most people, SEP IRA contributions are tax deductible. - IRA funds grow tax-deferred until withdrawal. There is usually a penalty for early withdrawal of funds. - Mandatory withdrawals must begin when customer reaches 70-1/2. - Renews automatically for same term at the rate current at time of renewal. - Call for current rates. |
| Whidbey Island Bank offers managed investment services for our customers through the investment advisory company Elliot Cove Capital Management, L.L.C. |
| Elliot Cove provides investment services for customers by offering managed investment portfolios, which are designed and managed to target different levels of investment risk and return. |
| Elliot Cove's portfolios are constructed from index funds of stocks, bonds and real estate investments, primarily from the index mutual fund provider, Dimensional Fund Advisors. These funds are used by institutional investors and professionally managed pension funds and are not readily available to the general public. |
| These investments: |
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