Individual Retirement Accounts (IRAs)

Wherever you decide to retire, our IRAs can help you ensure you're able to do it your way.

Even if retirement seems a long way off, it’s never too early to start planning for your best post-work life. Our array of retirement products can help you save – and earn big returns for your future. Stop in to see if you qualify for any of our options.

Traditional IRA

A good choice for anyone that does not have an employer-sponsored retirement plan, a Traditional IRA allows for fully tax-deductible contributions of up to $5,000 annually, or $6,000 if you are over age 50.

• Earnings grow tax-deferred
• Earnings are taxed as ordinary income when withdrawn
• Withdrawals prior to age 59½ are also subject to a 10% penalty tax (unless certain exceptions are met)
• Dividends are compounded monthly

Roth IRA

Roth IRA contributions are not tax-deductible now, but offer the benefit of a tax-free withdrawal later.

• After five (5) years, withdrawals are tax-free after age 59 1/2
• Maximum $5,000 annual contribution - or $6,000, if you are over age 50
• Dividends are compounded monthly

Certificate IRA

Certificate IRAs (also called an “IRA CD”) offer a higher rate of return and are renewable upon maturity. A certificate IRA offers similar tax benefits to the Traditional and Roth IRAs.

• Minimum deposit of $1,000
• Choice of 24, 36 or 60 month terms
• Dividends compounded monthly

Find out more.

• Rates