CDs & IRAs

Note: Rates subject to change. Substantial penalty for early withdrawal may apply.

Note: Rates subject to change. Substantial penalty for early withdrawal may apply.

Note: Rates subject to change. Substantial penalty for early withdrawal may apply.

Note: Rates subject to change. Substantial penalty for early withdrawal may apply.

Note: Rates subject to change. Substantial penalty for early withdrawal may apply.

Note: Rates subject to change. Substantial penalty for early withdrawal may apply.

Note: Rates subject to change. Substantial penalty for early withdrawal may apply.

Note: Rates subject to change. Substantial penalty for early withdrawal may apply.

6 - month IRA Certificate

A Traditional IRA is a savings plan to accumulate money for retirement. You are eligible for an IRA provided that you have earned income and under the age of 70 ½. Your contributions may be tax deductible depending upon your modified adjusted gross income and whether you are an active participant in an employer sponsored retirement plan. The earnings on a Traditional IRA are tax deferred until withdrawn.

Roth IRA
The Roth IRA is a nondeductible IRA that offers tax-free distributions under certain circumstances after a five-year holding period. Qualified distributions occur when the 5 year holding period has been met and either you attain the age of 59 ½ or older, death, disability or qualified first-time home buyer. You are eligible for a Roth IRA provided that you have earned income and your modified adjusted gross income is within the applicable limits.

Coverdell Education Savings Account (ESA) formerly Education IRA
The Coverdell ESA is a unique savings vehicle where distributions of contributions and earnings are potentially tax-free if used to pay for certain qualified education expenses. An eligible taxpayer can make a nondeductible contribution into a Coverdell ESA for a child under the age of 18. These funds can be used for qualified education expenses incurred at the elementary, high school or college level.

At Valley View Bank we offer these additional advantages:

• Competitative rates;
• No commissions, fees, or setup charges;
• IRA transfers from other institutions;
• Direct Rollovers from Employer Sponsored Retirement Plans;
• Highly qualified staff to help your with your IRA transactions and investments.

For more information about IRAs or our IRA products, contact our IRA Department during regular banking hours at (913) 381- 3311.

12 - Month IRA Certificate

A Traditional IRA is a savings plan to accumulate money for retirement. You are eligible for an IRA provided that you have earned income and under the age of 70 ½. Your contributions may be tax deductible depending upon your modified adjusted gross income and whether you are an active participant in an employer sponsored retirement plan. The earnings on a Traditional IRA are tax deferred until withdrawn.

Roth IRA
The Roth IRA is a nondeductible IRA that offers tax-free distributions under certain circumstances after a five-year holding period. Qualified distributions occur when the 5 year holding period has been met and either you attain the age of 59 ½ or older, death, disability or qualified first-time home buyer. You are eligible for a Roth IRA provided that you have earned income and your modified adjusted gross income is within the applicable limits.

Coverdell Education Savings Account (ESA) formerly Education IRA
The Coverdell ESA is a unique savings vehicle where distributions of contributions and earnings are potentially tax-free if used to pay for certain qualified education expenses. An eligible taxpayer can make a nondeductible contribution into a Coverdell ESA for a child under the age of 18. These funds can be used for qualified education expenses incurred at the elementary, high school or college level.

At Valley View Bank we offer these additional advantages:

• Competitative rates;
• No commissions, fees, or setup charges;
• IRA transfers from other institutions;
• Direct Rollovers from Employer Sponsored Retirement Plans;
• Highly qualified staff to help your with your IRA transactions and investments.

For more information about IRAs or our IRA products, contact our IRA Department during regular banking hours at (913) 381- 3311.

18 - Month IRA Certificate

Roth IRA
The Roth IRA is a nondeductible IRA that offers tax-free distributions under certain circumstances after a five-year holding period. Qualified distributions occur when the 5 year holding period has been met and either you attain the age of 59 ½ or older, death, disability or qualified first-time home buyer. You are eligible for a Roth IRA provided that you have earned income and your modified adjusted gross income is within the applicable limits.

Coverdell Education Savings Account (ESA) formerly Education IRA
The Coverdell ESA is a unique savings vehicle where distributions of contributions and earnings are potentially tax-free if used to pay for certain qualified education expenses. An eligible taxpayer can make a nondeductible contribution into a Coverdell ESA for a child under the age of 18. These funds can be used for qualified education expenses incurred at the elementary, high school or college level.

At Valley View Bank we offer these additional advantages:

• Competitative rates;
• No commissions, fees, or setup charges;
• IRA transfers from other institutions;
• Direct Rollovers from Employer Sponsored Retirement Plans;
• Highly qualified staff to help your with your IRA transactions and investments.

For more information about IRAs or our IRA products, contact our IRA Department during regular banking hours at (913) 381- 3311.

24 - Month IRA Certificate

Roth IRA
The Roth IRA is a nondeductible IRA that offers tax-free distributions under certain circumstances after a five-year holding period. Qualified distributions occur when the 5 year holding period has been met and either you attain the age of 59 ½ or older, death, disability or qualified first-time home buyer. You are eligible for a Roth IRA provided that you have earned income and your modified adjusted gross income is within the applicable limits.

Coverdell Education Savings Account (ESA) formerly Education IRA
The Coverdell ESA is a unique savings vehicle where distributions of contributions and earnings are potentially tax-free if used to pay for certain qualified education expenses. An eligible taxpayer can make a nondeductible contribution into a Coverdell ESA for a child under the age of 18. These funds can be used for qualified education expenses incurred at the elementary, high school or college level.

At Valley View Bank we offer these additional advantages:

• Competitative rates;
• No commissions, fees, or setup charges;
• IRA transfers from other institutions;
• Direct Rollovers from Employer Sponsored Retirement Plans;
• Highly qualified staff to help your with your IRA transactions and investments.

For more information about IRAs or our IRA products, contact our IRA Department during regular banking hours at (913) 381- 3311.

36 - Month IRA Certificate

Roth IRA
The Roth IRA is a nondeductible IRA that offers tax-free distributions under certain circumstances after a five-year holding period. Qualified distributions occur when the 5 year holding period has been met and either you attain the age of 59 ½ or older, death, disability or qualified first-time home buyer. You are eligible for a Roth IRA provided that you have earned income and your modified adjusted gross income is within the applicable limits.

Coverdell Education Savings Account (ESA) formerly Education IRA
The Coverdell ESA is a unique savings vehicle where distributions of contributions and earnings are potentially tax-free if used to pay for certain qualified education expenses. An eligible taxpayer can make a nondeductible contribution into a Coverdell ESA for a child under the age of 18. These funds can be used for qualified education expenses incurred at the elementary, high school or college level.

At Valley View Bank we offer these additional advantages:

• Competitative rates;
• No commissions, fees, or setup charges;
• IRA transfers from other institutions;
• Direct Rollovers from Employer Sponsored Retirement Plans;
• Highly qualified staff to help your with your IRA transactions and investments.

For more information about IRAs or our IRA products, contact our IRA Department during regular banking hours at (913) 381- 3311.

48 - Month IRA Certificate

Roth IRA
The Roth IRA is a nondeductible IRA that offers tax-free distributions under certain circumstances after a five-year holding period. Qualified distributions occur when the 5 year holding period has been met and either you attain the age of 59 ½ or older, death, disability or qualified first-time home buyer. You are eligible for a Roth IRA provided that you have earned income and your modified adjusted gross income is within the applicable limits.

Coverdell Education Savings Account (ESA) formerly Education IRA
The Coverdell ESA is a unique savings vehicle where distributions of contributions and earnings are potentially tax-free if used to pay for certain qualified education expenses. An eligible taxpayer can make a nondeductible contribution into a Coverdell ESA for a child under the age of 18. These funds can be used for qualified education expenses incurred at the elementary, high school or college level.

At Valley View Bank we offer these additional advantages:

• Competitative rates;
• No commissions, fees, or setup charges;
• IRA transfers from other institutions;
• Direct Rollovers from Employer Sponsored Retirement Plans;
• Highly qualified staff to help your with your IRA transactions and investments.

For more information about IRAs or our IRA products, contact our IRA Department during regular banking hours at (913) 381- 3311.

60 - Month IRA Certificate

Roth IRA
The Roth IRA is a nondeductible IRA that offers tax-free distributions under certain circumstances after a five-year holding period. Qualified distributions occur when the 5 year holding period has been met and either you attain the age of 59 ½ or older, death, disability or qualified first-time home buyer. You are eligible for a Roth IRA provided that you have earned income and your modified adjusted gross income is within the applicable limits.

Coverdell Education Savings Account (ESA) formerly Education IRA
The Coverdell ESA is a unique savings vehicle where distributions of contributions and earnings are potentially tax-free if used to pay for certain qualified education expenses. An eligible taxpayer can make a nondeductible contribution into a Coverdell ESA for a child under the age of 18. These funds can be used for qualified education expenses incurred at the elementary, high school or college level.

At Valley View Bank we offer these additional advantages:

• Competitative rates;
• No commissions, fees, or setup charges;
• IRA transfers from other institutions;
• Direct Rollovers from Employer Sponsored Retirement Plans;
• Highly qualified staff to help your with your IRA transactions and investments.

For more information about IRAs or our IRA products, contact our IRA Department during regular banking hours at (913) 381- 3311.

18 - Month Variable Rate IRA Certificate

Roth IRA
The Roth IRA is a nondeductible IRA that offers tax-free distributions under certain circumstances after a five-year holding period. Qualified distributions occur when the 5 year holding period has been met and either you attain the age of 59 ½ or older, death, disability or qualified first-time home buyer. You are eligible for a Roth IRA provided that you have earned income and your modified adjusted gross income is within the applicable limits.

Coverdell Education Savings Account (ESA) formerly Education IRA
The Coverdell ESA is a unique savings vehicle where distributions of contributions and earnings are potentially tax-free if used to pay for certain qualified education expenses. An eligible taxpayer can make a nondeductible contribution into a Coverdell ESA for a child under the age of 18. These funds can be used for qualified education expenses incurred at the elementary, high school or college level.

At Valley View Bank we offer these additional advantages:

• Competitative rates;
• No commissions, fees, or setup charges;
• IRA transfers from other institutions;
• Direct Rollovers from Employer Sponsored Retirement Plans;
• Highly qualified staff to help your with your IRA transactions and investments.

For more information about IRAs or our IRA products, contact our IRA Department during regular banking hours at (913) 381- 3311.