Certificates of Deposit

We offer certificates of deposit (CDs) in terms of 3 months up to 3 years. CDs are a safe way to earn a higher yield on your money than the traditional savings account can offer. CDs pay a fixed dividend rate over a defined period of time. Dividend rates are based on the amount of money deposited, so the more you save the more you can earn.

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Traditional IRA

Used for retirement savings, this tiered account pays interest monthly. Dividend rates are determined by the account balance. Higher balances yield higher rates of return. This account allows deposits any time and offers possible tax benefits.

Speak to your tax professional: 

  • Contributions made may be tax deductible
  • Interest may be tax deferred

Account Details: 

  • Must be under age 70.5 to invest in a traditional IRA
  • You or your spouse must have earned income to invest in a traditional IRA
  • Maximum annual contribution is $5,500. If over 50 years old, maximum annual contribution is $6,500.

There is a penalty for making a withdrawal(s) before age 59.5.

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Roth IRA

With a Roth IRA, you pay taxes now and withdraw the funds tax-free when you retire. Used for retirement savings, this tiered account pays interest monthly. Dividend rates are determined by the account balance. Higher balances yield higher rates of return. This account allows deposits any time and offers possible tax benefits.

Speak to your tax professional: 

  • Earnings may be tax-free if withdrawn for a qualified reason
  • Interest may be tax deferred
  • Income restrictions apply

Account Details: 

  • You can invest in a Roth IRA at any age
  • Maximum annual contribution is $5,500. If over 50 years old, maximum annual contribution is $6,500.

There is a penalty for making a withdrawal(s) before age 59.5.

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Open an IRA

Coverdell ESA

Coverdall ESA is an IRA used for education costs. This tiered savings account pays interest monthly. Dividend rates are determined by the account balance. Higher balances yield higher rates of return.

Speak to your tax professional:

  • Interest may be tax deferred

Account Details:

  • Withdrawals are available for qualified expenses

See Today’s Rates

Open an IRA

Open an Account

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No minimum balance required, no monthly maintenance fees. 

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