Individual Retirement Account (IRA)

Thinking about saving for retirement or your child’s education? Investing in an IRA is the perfect solution, with great rates and convenient terms that will have you reaching your goals in no time!

• Terms ranging from 6 months to 5 years


• Flexible Terms


• No monthly fees


• Earn monthly dividends


• Contributions may be deposited in "lump sums" or throughout the year by regular deposits to IRA share accounts or IRA share certificates


• IRA share certificates are available with a minimum deposit of $500

Traditional IRA
A Traditional IRA offers the advantage of tax-deductible contributions now, building earnings until you need them, and deferring taxes on your earnings until they are withdrawn. Please consult your tax advisor about your particular situation.

Roth IRA
A Roth IRA offers flexibility by allowing you to pay taxes now and reap the benefits in the future. Within qualifying limits, Roth IRA contributions and earnings may be withdrawn tax-free. Please consult your tax advisor about your particular situation.

Coverdell Education Savings Account
The Coverdell Education Savings Account (formerly known as the Education IRA) is a savings account that will help pay for your child’s education. You can contribute up to $2,000 per year to help pay for your child or grandchild's qualified educational expenses, tax-free. Please consult your tax advisor about your particular situation.