Secure a better future for yourself by saving today. An IRA offers interest and unique tax advantages*.

Key Features

Competitive Dividends

Competitive Dividends

No Setup or Maintenance Fees

No Setup or Maintenance Fees

Tax Advantages

Tax Advantages*

  • Competitive interest above standard savings rates
  • Traditional and Roth IRA options
  • No setup fees
  • No monthly or annual maintenance fees
  • Funds can be used to purchase CDs within IRA

There are advantages to both traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement. 

Traditional IRA

  • No income limits to open
  • No minimum contribution requirement
  • Withdrawals can begin at age 59 ½
  • Early withdrawals subject to penalty*
  • Mandatory withdrawals at age 70 ½

Roth IRA

  • Contributions are NOT tax deductible
  • Withdrawals on interest can begin at age 59 ½
  • Early withdrawals on interest subject to penalty*
  • No mandatory distribution age
  • No age limit on making contributions as long as you have earned income 

*Certain exceptions apply, such as healthcare, purchasing first home, etc.