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Individual Retirement
AccountsDecide Which IRA is Best for You

Open an IRA

Individual Retirement
Accounts (IRAs)

Whether you want to travel the world or spend your golden years at home with your family, it takes planning for a comfortable retirement. When you open, move or roll over your IRA with us, you’re putting your nest egg in a secure place where it will continue to grow tax-free.

Traditional IRA

A Traditional Investment Retirement Account (IRA) is an excellent means of saving for retirement with tax benefits that help you accumulate your savings faster. Your contributions are made up to a specified limit per year and these are good investments before and after you retire.

  • Flexible fixed-rate term options from 12 months to 60 months
  • Earns higher monthly yields, which are compounded monthly
  • Safe and secure investment
  • Free online banking, mobile banking, and telephone banking
  • A minimum opening deposit of $500

Good to know:

Certain penalties apply for early withdrawal of funds. See fee schedule and disclosure for complete details

Roth IRA

A Roth Investment Retirement Account (IRA) is a tax-advantaged savings vehicle for retirement. The Roth IRA is funded with post-tax contributions and offers you more access and more flexibility to your money. As long as you have met the 5 year holding period, which begins with the tax year for which your first contribution is made, your Roth IRA earnings can be withdrawn tax-free and penalty free for specific distribution reasons.

  • Dividends are paid monthly
  • Safe and Secure Investment
  • Funds may be invested in an IRA Accumulator or IRA Certificate of Deposit
  • Ability to make contributions conveniently with payroll deductions
  • Distribution of funds is not mandatory

Good to know:

  • Minimum opening deposit of $500 for an IRA Certificate of Deposit
  • Applications typically take 24 – 48 hours to process
  • Funds you contribute and earn can be withdrawn tax-free and penalty free, once the 5 year holding period is reached, and if one of the following qualified distributions apply:
    • You become disabled
    • Funds are used for qualified medical expenses
    • Funds are used towards a first-time home purchase, up to $10,000
    • Your death results in a distribution made to the account beneficiary (or your estate)




Savings & Checking

Rate Effective Date: June 1, 2024

TypeInitial DepositAnnual Percentage Yield (APY)Rate
Roth IRA$100.100%0.100%



Rate Effective Date: June 1, 2024

TermMinimum BalanceAnnual Percentage Yield (APY)Rate
3 months*$5003.750%3.687%
6 months*$5004.420%4.121%
12 months$5004.500%4.410%
18 months$5004.250%4.169%
24 months$5004.001%3.929%
36 months$5003.750%3.687%
48 months$5003.750%3.687%
60 months$5003.600%3.541%
Save to Win Certificate
12 months**


your investment

Final Balance


Contributions: $    |   Earnings: $




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