individual retirement account (IRA)


Let’s start saving for retirement

Get the best account for how and when you want to retire. We have lots of options and IRA (Individual Retirements Accounts) benefits that will help you save for the future.

If you’re new to IRAs, here’s some info we think helps explain them a bit more.

Traditional IRA

Traditional IRAs defer taxes on your money until you take it out at age 59 ½ or older. Contributions to a Traditional IRA may be tax-deductible.1

Roth IRA

Roth IRAs can grow tax-free. So, if you think you’re going to be in a higher tax bracket when you’re 59 ½, changing things over to a Roth IRAs may be best.

Education IRA

An Education IRA is a good idea if you want to save up for your child’s college expenses. You can save up to $2,000 per child and withdrawals are tax-free when used for their education costs. But, contributions are not tax-deductible.

IRA Money Market

You can earn our competitive Money Market rates starting at $1,000 with an IRA Money Market. This is a tiered account that guarantees you the best rate for your balance.

IRA Certificate

Save for retirement with guaranteed returns. Choose the term that’s right for you, starting at just 3 months. You only need $500 to get started plus there are possible tax advantages.1

Ladder IRA Certificate

So, Ladder IRA Certificates are 5-year certificates with a term built into five certificates. The terms are 1-5 years at the regular certificate rate. Each maturing certificate automatically renews into a 5-year certificate or has the option of being redeemed. The minimum balance requirement on these is $5,000.

Have questions or want to get started? Give us a call at (888) 982-1400, stop in a branch or start a chat with one of our team members now!