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What are your plans after work?
If you're thinking of retiring someday (and we know you are) start saving for your future today with an IRA!
Traditional, Roth or Education IRAs are available. If your budget is limited, don't worry.
Our IRA Builder Account is a great way to save at an easy and convenient pace!
IRA Certificates of Deposit & IRA Builder Certificate of Deposit

The maximum annual IRA contributions are as follows:

$5,500 per individual. If you are 50 years of age or older, $6,500 per person. A $500 minimum deposit is required to open a new IRA account (except for the IRA Builder Certificate of Deposit...see below).
  • We offer 18 and 48-month IRA Certificates of Deposit.
    Traditional, Roth & Education IRAs are available.
  • The interest rate for your account is fixed and will be paid until the maturity date of your certificate. The maturity date of your certificate is listed on the Rate and Information Sheet.
  • Interest will be compounded semi-annually and credited to your account semi-annually.
    - Interest begins to accrue on the business day you make your deposit to open the IRA.
  • The interest accrual method is 365/365 days for IRAs.
  • This account will automatically renew at maturity. You will have ten (10) calendar days from the maturity date to withdraw your funds without being charged a penalty by the bank.
  • After the account is opened, you may not make deposits into or withdrawals from the account until the maturity date. (The IRA Builder allows weekly, bi-weekly or monthly deposits in increments of $50 or more up to the maximum annual amount allowed by law.)
    If you have reached 59½ years of age you may make a withdrawal without penalty.
  • The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
  • If any of the principal is withdrawn before the maturity date, a penalty will be imposed equal to 180-days interest on the certificate balance at withdrawal, unless you are 59½ years of age or older.

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