Skip nav to main content.

Individual Retirement Accounts (IRA)

Let's make your dream a goal

Retirement isn't a destination, it's a journey. We offer personalized retirement plans and expert advice to help you make that journey with confidence.

Talk to Us
  • Overview

    For Whatever Retirement Means to You

    Whatever your vision of the perfect retirement or next stage of life is, let’s get there together by creating a customized retirement plan that makes your dream a tangible goal. We have IRA Share Accounts, IRA Share Certificates, Traditional IRAs, Roth IRAs⁠—plus the expertise you need to understand your options and make the best decisions for your journey. Let’s start talking.

    1. IRA options personalized for your retirement journey
    2. No application fees or monthly fees
    3. Expert advice and outstanding service

     

  • Rates

    Rates

    Rates Effective as of: 09-17-2019

    IRA Shares

    .55% Div .55% APY$0 - $9,999.99
    .75% Div.75% APY$10,000.00 - $24,999.99
    1.00% Div1.00% APY$25,000 - $99,999.99
    1.35% Div1.36% APY$100,000 - $199,999.99
    1.60% Div1.61% APY $200,000 +

    These rates are subject to change. Rates are based on qualifications and all rates shown are APY (Annual Percentage Yield) which
    are declared by the Board of Directors and are subject to change. A complete account disclosure is available upon request, and will
    be provided at account opening.

    Rates Effective as of: 09-17-2019

    IRA Share certificates

    TermUnder $10,000 $10,000 +
    12 months 1.25% Div 1.26% APY 1.35% Div 1.36% APY
    18 months1.30% Div 1.31% APY 1.40% Div 1.41% APY
    24 months1.35% Div 1.36% APY 1.45% Div 1.46% APY
    36 months1.50% Div 1.51% APY 1.60% Div 1.62% APY
    48 months1.85% Div 1.87% APY 1.95% Div 1.97% APY
    60 months2.15% Div 2.18% APY 2.25% Div 2.28% APY

    * $250.00 minimum. Rates are based on qualifications and all rates shown are APY (Annual Percentage Yield) which
    are declared by the Board of Directors and are subject to change. A complete account disclosure is available upon request, and will
    be provided at account opening.

  • FAQs

    Frequently Asked Questions

     With an IRA Certificate, you agree to leave the money untouched for a set amount of time (a term) in exchange for a higher interest rate. It can be a great choice, since you typically won’t need immediate access to your retirement funds anyway. 
     The biggest difference between a Roth and a Traditional IRA is the kind of tax break each account offers. For a Traditional IRA, your contributions are tax-deductible in the year they are made. For a Roth IRA, your withdrawals in retirement are not taxed.
    The annual contribution limit for 2019 is $6,000, or $7,000 if you're age 50 or older. 

     

Wherever you're headed, we'll get you there

Everyone has different ideas of retirement. We'll work with you to create a journey and destination that fit yours.

Get in Touch