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Individual Retirement Accounts (IRAs)

Save for a Brighter Future Today

Your future is just as important as the here and now. A useful method for planning your retirement early is to open an IRA. An Individual Retirement Account (IRA) allows you to start saving for retirement with tax-advantaged benefits. Below, we have information on the differences between Traditional and Roth IRAs to help you choose the right IRA for your financial situation.

Traditional IRA

A Traditional IRA allows you to direct pre-tax income toward your contributions that can grow tax-deferred*.

  • Contribution may be tax deductible
  • Earnings grow tax deferred
  • You are required to start minimum distributions at age 73
  • Taxes apply when you take a distribution

Roth IRA

A Roth IRA allows you to set aside after-tax income up to a specified amount each year.*

  • Contributions are made with after-tax dollars
  • No mandatory distribution age
  • Earnings and withdrawals after age 59 ½ are tax-free


An IRA CD allows you to invest IRA funds within certificates of deposit (CDs).*

  • Safe, low-risk investment
  • Flexible, short terms
  • Generates predictable short-term income


*Consult your tax advisor.
Full Disclosure of our individual retirement accounts is available upon request.
Rates are subject to change. You may contact any branch location to obtain the most current rate and APY information. For variable rate accounts, rate may change after account opening. Minimum balance required to open/obtain APY. A penalty may be imposed for early withdrawal. 

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IRA News

Opening an IRA can be a big step towards a healthy retirement. Catch up on the latest news, strategies, and FAQs with our IRA Newsletter.

Learn more about IRA News