Start saving for retirement now — so you can be there for the moments that matter.

The Details

  • Competitive dividends above standard savings rates
  • Traditional and Roth IRA options
  • No setup fees
  • Low $15 annual maintenance fee
  • $5 minimum deposit to open for shares
  • $500 minimum deposit to open for certificates

Traditional IRA

  • No income limits to open
  • No minimum contribution requirement
  • Contributions are tax deductible on state and federal income tax1
  • Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
  • Withdrawals can begin at age 59 ½
  • Early withdrawals subject to penalty2
  • Mandatory withdrawals at age 70 ½

Roth IRA

  • Income limits to be eligible to open Roth IRA3
  • Contributions are NOT tax deductible
  • Earnings are 100% tax free at withdrawal*
  • Principal contributions can be withdrawn without penalty1
  • Withdrawals on interest can begin at age 59 ½
  • Early withdrawals on interest subject to penalty2
  • No mandatory distribution age
  • No age limit on making contributions as long as you have earned income

Coverdell ESA

  • Set aside funds for your child's education
  • No setup or annual fee
  • Dividends grow tax-free
  • Withdrawals are tax-free and penalty-free when used for qualified education expenses4
  • Designated beneficiary must be under 18 when contributions are made
  • To contribute to an ESA, certain income limits apply5
  • Contributions are not tax deductible
  • The money must be withdrawn by the time he or she turns 306
  • The ESA may be transferred without penalty to another member of the family
  • $5 minimum deposit to open for shares
  • $500 minimum deposit to open for certificates

Earn More

Earn more on your IRA share certificate with our Thank You for Being a Member Program. Just add additional services to earn more. Eligible services are:

Request Info


View our Truth in Savings Disclosure

1Subject to some minimal conditions. Consult a tax advisor. 2Consult your tax advisor to determine your contribution limit. 3Consult a tax advisor. 4Qualified expenses include tuition and fees, books, supplies, board, etc. 5Consult your tax advisor to determine your contribution limit. 6Those earnings are subject to income tax and a 10% penalty.

Go to main navigation