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INDIVIDUAL RETIREMENT ACCOUNT (IRA)

flexible savings options with potential tax benefits

Saving for retirement? IRAs can be a great way to supplement a 401(K) or other employer-sponsored plan. We offer the following types:

Traditional IRAs

These IRAs offer the following benefits:

Terms from 3 to 60 months
Tax-deductible contributions*
Tax-deferred earnings*
Required minimum distribution after 70 1/2

Roth IRAs

These IRAs are bit different than a Traditional IRA in that they offer you:

Terms from 3 to 60 months
Tax-free growth on earnings*
Tax-free withdrawals during retirement*
No required minimum distribution after 70 1/2

Coverdell IRAs/ESAs (Educational Savings Accounts)

These IRAs/ESAs are designed to provide you with:

Terms from 3 to 60 months
A specific way to save for college or other higher-educational related expenses
Tax - free and penalty-free withdrawals for qualified educational expenses*

And you can always rest assured you're getting the best rate in our market with our Guaranteed Best Rates promise. Plus, our IRAs and ESAs are federally insured up to $250,000.*

Current Rates

If you'd like more information about our IRA, HSA and ESA accounts, please click on one of the links listed below:

Traditional and Roth IRAs - explore the differences	Prepare for your future with a Roth IRA
Traditional IRAs - Answers to Your Questions	Transfers, Rollovers, and Conversions
IRA and Retirement Plan Distributions	Inherited IRAs
Coverdell Educational Savings Accounts (ESAs)	Health Savings Accounts (HSAs)

*Please consult your tax advisor as to your eligibility to open an IRA or ESA. Offers are subject change or withdrawal without notice. Minimum opening deposit is $100. Please see for complete details.

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