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Individual Retirement Account (IRA)

Gear up for your retirement ahead.

Never Too Early to Start Saving for Your Retirement

An IRA is a tax advantaged savings plan* that is independent from your employer participation. Add any amount up to your annual limit and delay taxes until funds are withdrawn.

Benefits:

Annual contribution is tax deductible**
Transfer and rollover options available
Flexible investment options and contribution limits
Penalty free withdrawals after age 59.5†

View Rates

IRA Certificate

3.550

%
APY*

Earn Up To

Compare our IRA Options

Traditional

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Traditional

Contribute pre-tax dollars
Tax-deferred until withdrawn
Actively manage your portfolio

Roth

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Roth

Contribute after-tax dollars
Withdraw tax-free earnings after 59.5
No required minimum distributions
Leave tax-free funds to beneficiaries

SEP

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Simplified Employee Pension

For self-employed and small business owners
No annual contribution requirements
Actively manage your portfolio
Tax-deferred until withdrawn

IRA Savings

Effective Date: - 12:00 A.M. EST
APY = Annual Percentage Yield.
Dividends are compounded & credited quarterly.
Minimum opening balance and to earn dividends: $0
Account Info	Interest Rate	APY
IRA Accounts	0.499%	0.500%

IRA Certificate Specials

Certificate Specials

Effective Date: - 12:00 A.M. EST
APY = Annual Percentage Yield.
Minimum opening balance: $500.
Minimum balance to earn dividends: $500.
Dividends are compounded & credited monthly.
There is a penalty for early withdrawal.
Rates are subject to change without notice.
Term	Interest Rate	APY
9 Month Special	3.784%	3.850%

IRA Certificates

Certificates

Effective Date: - 12:00 A.M. EST
APY = Annual Percentage Yield.
$500 minimum opening balance.
Minimum balance to earn dividends: $500.
Dividends are compounded & credited monthly.
There is a penalty for early withdrawal.
Rates are subject to change without notice.
Term	Interest Rate	APY
6 - 11 Months	3.348%	3.400%
12 - 17 Months	3.397%	3.450%
18 - 23 Months	3.397%	3.450%
24 - 35 Months	3.348%	3.400%
36 - 47 Months	3.445%	3.500%
48 - 59 Months	3.494%	3.550%
60 Months	3.494%	3.550%

Jumbo IRA Certificate Specials

Jumbo Certificate Specials

Effective Date: - 12:00 A.M. EST
APY = Annual Percentage Yield.
$100,000 minimum balance.
Dividends are compounded & credited monthly.
There is a penalty for early withdrawal.
Rates are subject to change without notice.
Term	Interest Rate	APY
9 Month Special	4.034%	4.110%

Jumbo IRA Certificates

Jumbo Certificates

Effective Date: - 12:00 A.M. EST
APY = Annual Percentage Yield.
$100,000 minimum balance.
Dividends are compounded & credited monthly.
There is a penalty for early withdrawal.
Rates are subject to change without notice.
Term	Interest Rate	APY
6 to 11 months	3.598%	3.660%
12 to 17 months	3.647%	3.710%
18 to 23 months	3.647%	3.710%
24 to 35 months	3.598%	3.660%
36 to 47 months	3.945%	4.020%
48 to 59 months	3.994%	4.070%
60 months	3.994%	4.070%

Disclaimers:

* Consult with your tax advisor for more details.
** Eligibility requirements apply.
† May have a 10% IRS penalty on withdrawals under age 59.5. After 73 years old, minimum distributions are required each year.
†† APY = Annual Percentage Yield. APY is accurate as of today’s date, may be variable, and may be subject to change after the account is opened. Fees and other conditions may reduce earnings.

Truth in Savings Disclosure