IRAs

Enjoy fixed, risk-free growth
Choose the terms that work for you

  • 7-Month IRA certificate 5.25% APY* 
    22-Month IRA certificate 3.95% APY*

Start saving now - and turn the future into an exciting place.

Someday, you'll leave the working world and flip the switch on a new chapter of life. At that moment, you'll thank your younger self for setting up a tax-advantaged IRA. 

Roth or Traditional IRAs

Choose the best options for your goals

Low Minimum Deposit

Open your IRA with as little as $500

Potential Tax Advantages

Consult your tax advisor for details

If you're over 50, you can accelerate your IRA savings by contributing up to $7,500 a year.

In your golden years, you'll wake up each day with lots of free time and countless options on how to fill it. But for now, you need only decide whether to open a Traditional or Roth IRA and how to divide your money between a Share Savings and a Certificate account.

  • Contribute up to $6,500 a year ($7,500 if over age 50)
  • Minimum opening for certificate of deposit is $500. You can make a current year contribution for as little as $1.00 to the IRA savings if you have tax reportable income.
  • With Roth IRAs, all qualified withdrawals may be tax-free. For Traditional IRAs, you will be subject to taxes on the dividends at time of withdrawal.
  • IRA Certificate Accounts offer a fixed dividend rate at maturity. They provide higher yields on funds invested for three months to five years. There is a penalty for early withdrawal.
  • IRA Share Accounts pay a dividend that is calculated on a daily basis and credited monthly.

For more information on IRA benefits and regulations, consult your financial advisor.

Use our calculators and start planning for your tomorrow.

Financial Education

Take a financial health assessment to help you track your goals & success over time.

*APY = Annual Percentage Yield. $500 minimum deposit required. Rates effective date as of 1/12/24 Rates and terms are subject to change without notice. Early withdrawal penalties may apply. Membership eligibility rules apply.
Please consult a tax advisor to discuss how penalties for early withdrawal may affect you.