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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)
For Businesses
Find the Right Retirement Plan for Your Business	SEP, SIMPLE IRA, and Individual(k) Plans
An HSA Completes Your Health Benefits Package

*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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