Smiling older couple walking outdoors in warm sunlight with trees in the background.

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 Add any amount up to your annual limit and delay taxes until funds are withdrawn.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

4.25

%
APY*

Earn Up To

Compare our IRA Options

Traditional

Jar filled with coins and a dollar sign icon on blue background.

Traditional

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Tax-deferred until withdrawn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

Roth

Stack of coins with a dollar sign icon on blue background.

Roth

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

SEP

White upward-trending bar chart with arrow on a blue background featuring subtle topographic map lines.

Simplified Employee Pension

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Tax-deferred until withdrawn

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