INDIVIDUAL RETIREMENT ACCOUNT (IRA)
flexible savings options with potential tax benefits
Check out our latest IRA specials!*
| CD (Certificate) and IRA Specials | ||||
| Effective Date: Saturday, April 1st, 2023 | ||||
| Name | Term | minimum to open | Rate | Annual Percentage Yield |
| 13 Month Certificate | 13 months | $5,000 | 2.960% | 3.00% |
| 25 Month Certificate | 25 months | $5,000 | 3.203% | 3.25% |
| 13 Month Traditional IRA | 13 months | $5,000 | 2.960% | 3.00% |
| 25 Month Traditional IRA | 25 months | $5,000 | 3.203% | 3.25% |
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.*
If you'd like more information about our IRA, HSA and ESA accounts, please click on one of the links listed below:
*Please consult your tax advisor as to your eligibility to open an IRA or ESA. Restrictions apply to the 13 month and 25 month CD and IRA specials as well as Guaranteed Best Rates. Offers are subject change or withdrawal without notice. Minimum opening deposit is $100. Please see for complete details.
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