Individual Retirement Accounts
- Fixed and variable IRA certificates
- Traditional and Roth IRAs
- Education savings accounts
Get the most out of your retirement dollars!
No matter how far off retirement seems to be, it's a good idea to take advantage of our IRA services.
Traditional IRAs
Annual contributions to this type of IRA may be partially or fully tax-deductible in the year in which they are made. Distributions from a traditional IRA are generally taxable upon withdrawal. To learn more, visit our IRA Service CenterOpens in New Window.
Roth IRAs
While Roth IRA contributions are not deductible during the year in which they are made, distributions can generally be taken tax-free. To learn more, visit our IRA Service CenterOpens in New Window.
IRA Savings Accounts
Variable IRA accounts: These accounts have the same features as our Variable Rate Certificate accounts mentioned above. The only difference is that they are used to save for an IRA.
IRA accounts: The IRA account is similar to our Share Savings account, with dividends compounded and paid each quarter. Dividends are earned from the date of deposit until the date of withdrawal. There is no term on this type of account.
Fixed Rate Certificate IRA accounts: These accounts have the same features as our Fixed Rate Certificate accounts mentioned above. The only difference is that they are used to save for an IRA.
Coverdell Education Savings Accounts
These accounts were created to help parents pay for the education of their dependent children. Designate an account for each child, and start saving early. Then you won't have to stress over a tuition bill when they turn 18.
- Contribute up to $2,000 per tax year
- Earnings will be distributed tax free if used to pay for elementary, secondary school or college education expenses.
Effective Jul 1, 2022
| Fixed-Rate* | Min to Open | Min to Earn APY** | Dividend | APY** |
|---|---|---|---|---|
| 7-month term*** | $500 | $500 | 2.10% | 2.12% |
| 1-year term | $500 | $500 | 2.35% | 2.37% |
| 2-year term | $500 | $500 | 2.85% | 2.88% |
| 3-year term | $500 | $500 | 3.10% | 3.13% |
| 4-year term | $500 | $500 | 3.35% | 3.39% |
| 5-year term | $500 | $500 | 3.60% | 3.64% |
Effective Jul 1, 2022
| Variable-Rate* | Min to Open | Min to Earn APY** | Dividend | APY** |
|---|---|---|---|---|
| 18-month term | $50 | $50 | 1.75% | 1.76% |
| 3-year term | $50 | $50 | 2.25% | 2.27% |
| 5-year term | $50 | $50 | 2.50% | 2.52% |
Full Rate Details
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Account DisclosuresOpens in New Window
Knowledge is power. Be in the know for financial betterment.
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Enjoy our 2.02% APY³ Checking — a premium rate over 65 times higher than the national average¹
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