Invest in your future.

This is your opportunity to put away for retirement or to help pay for your kids’ college. There is no contribution too small, and you can contribute on your own schedule.


Relax during your golden years without worrying about the small things. Your IRA will ensure that you can spend your time doing what really matters most to you.

  • Retirement savings with tax benefits
  • Competitive dividends
  • No setup charge
  • No monthly or annual maintenance charges
  • $5,500 contribution limit per year
  • Optional $1,000 additional contribution allowed for ages 50+
  • $100 minimum deposit to open Share IRA
  • $2,500 minimum deposit to open Certificate IRA

Check out our Rates.

Depending on your needs, choose between our Traditional and Roth IRAs. Feel free to compare Traditional vs. Roth IRAs below and consult a tax advisor.

Traditional IRA

  • No income limitation requirement to open
  • No minimum contribution requirement
  • Contributions are federal income tax-deductible
  • Defer tax on earnings until time of withdrawal (usually in lower tax bracket)
  • Withdrawals allowed at age 59½
  • Early withdrawal is subject to penalty
  • Mandatory withdrawal at age 70½

Roth IRA

  • Income limits to be eligible to open
  • Contribution NOT tax-deductible
  • Earnings are tax-advantaged at time of withdrawal
  • Principal contributions may be withdrawn without penalty
  • Withdrawals on interest allowed at age 59½
  • Early withdrawals on interest subject to penalty
  • No mandatory distribution age
  • No age limit on making contributions as long as you still have earned income

Coverdell ESA

Start now and give your little angels’ educational future a boost. A Coverdell Educational Savings Account (ESA) provides a tax-free* way to save for future tuition, books, housing, and more.

Don’t burden your children with debt before classes even start. Lessen their school load when you start an ESA today!

  • No setup fee
  • No annual fee
  • All dividends grow tax-advantaged
  • Withdrawals are tax-advantaged so long as they are used for qualified education expenses
  • Contributions can be made so long as designated beneficiary is under 18 at the time of contribution
  • Certain contribution limits apply
  • Contributions are not tax deductible
  • $2,000 maximum annual contribution per child

Check out our Rates.