IRAs

Our goal is to help you achieve lifetime financial security.  Whether traditional IRA or a Roth IRA, let us help you prepare for your golden years with a tax-deductible savings strategy.  Roll over funds from your workplace retirement plan or from an existing retirement account.

 
IRA CD
IRA CD Special
Individual Retirement Savings
What you are looking for:A low-risk but flexible investment that can respond to the rate environment.
A unique low-risk but flexible investment at a great rate.Savings account with great rates set up to earmark funds for retirement.
Minimum Opening Deposit$100 (unless otherwise indicated)$1,000 (unless otherwise indicated)$100
Monthly Service ChargeNoNo$3.00
Minimum Balance$100$1,000$100
Interest Bearing AccountYes, click here for Rate detailsYes, click here for Rate detailsYes, click here for Rate details
Term3 mo. - 5 years60 Month
Automatic RenewalYes, unless otherwise disclosed.Yes, unless otherwise disclosed.NA
Withdrawl of interestPermitted during the term. Individual Retirement Accounts (IRA) are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA Agreement or tax advisor for additional information.Permitted during the term. Individual Retirement Accounts (IRA) are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA Agreement or tax advisor for additional information.NA
Early Principal Withdrawl Penalty AppliesYes, three months loss of interest on amounts withdrawn for CDs 12 months or less, six months loss of interest on amounts withdrawn for CDS over 12 months.Yes, three months loss of interest on amounts withdrawn for CDs 12 months or less, six months loss of interest on amounts withdrawn for CDS over 12 months.No
Legalese:Annual Percentage Yield (APY) assumes that interest remains on deposit until maturity. Any withdrawal reduces earnings and the APY on the account. Interest will be paid on deposit items from the day of deposit, to include cash and non-cash items, even though the item may be uncollected. Accrued interest will be adjusted on return deposit items. Maturity date is calculated on months rather than days. The rate of earnings for any Renewal Term shall be at the rate the bank is paying at the time on renewed accounts of this class. You will have ten (10) calendar days from the maturity date to change your term, add to the balance or make penalty-free withdrawals. Annual Percentage Yield (APY) assumes that interest remains on deposit until maturity. Any withdrawal reduces earnings and the APY on the account. Interest will be paid on deposit items from the day of deposit, to include cash and non-cash items, even though the item may be uncollected. Accrued interest will be adjusted on return deposit items. Maturity date is calculated on months rather than days. The rate of earnings for any Renewal Term shall be at the rate the bank is paying at the time on renewed accounts of this class. You will have ten (10) calendar days from the maturity date to change your term, add to the balance or make penalty-free withdrawals.Requires maintaining an average monthly balance of $100 to avoid a $3 monthly service charge. Interest is compounded daily and credited at the end of each month.

Individual Retirement Accounts (IRA) are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA Agreement or tax advisor for additional information.