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Investment Retirement Account
as high as 1.80% APY

Individual Retirement Account (IRA) is a way to save for retirement. Both Traditional and Roth IRAs offer tax incentives to help save money.

IRAs can help you plan for retirement and for higher education expenses for your dependents. The benefits associated with IRAs are amazing and should make you feel like you "need" an IRA rather than just "want" one. If you can afford to invest money, you will benefit from the tax savings and compound interest earnings of IRAs. Some differences between an IRA and a regular savings account are:

  • An IRA allows you to contribute money into an account that holds earnings, tax-deferred, until you choose to withdraw your money. When you withdraw money from the IRA, you will have to pay taxes based on the tax bracket you are in at the time of withdrawal. In most cases, when you retire and you are over the age of 59 1/2, you will be in a lower tax bracket than when you are working. With a regular savings account, interest earnings are not tax-free.
  • When contributing funds to an IRA, you can invest in a multitude of investments. With these investments, an IRA will fluctuate with the various markets and interest rates. Some examples of IRA investments are: stocks, bonds, mutual funds, certificates of deposit (CDs), and money market deposit accounts. Generally, based on the historical performance of the stock market, returns of investment vehicles such as mutual funds have out-performed returns of savings accounts.
  • Regular savings accounts can usually be withdrawn from any time. With IRAs, withdrawals are limited.
  • IRAs have a set limit of contributions that can be made each year. With a regular savings account, you are able to contribute as much as you can afford each year.

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Type/Term APY Dividend Rate
IRA Share Account 0.20% 0.20%
Share Certificate 91 Days* 0.35% 0.35%
Share Certificate 182 Days 0.60% 0.60%
Share Certificate 5 Mos. 0.40% 0.40%
Share Certificate 12 Mos. 1.00% 1.00%
Share Certificate 18 Mos. 1.25% 1.24%
Share Certificate 24 Mos. 1.50% 1.49%
Share Certificate 25 Mos. 1.10% 1.10%
Share Certificate 36 Mos. 1.65% 1.64%
Share Certificate 48 Mos. 1.70% 1.69%
Share Certificate 60 Mos. 1.80% 1.79%
Share Certificate 91 Day Jumbo* 0.40% 0.40%
Share Certificate 6 Mo. Jumbo 0.65% 0.65%
Share Certificate 9 Mo. Jumbo 0.75% 0.75%
Share Certificate 12 Mo. Jumbo 1.05% 1.05%
See Other Rates

IRA Share Certificates

$ 500 to open

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Ask Us To Set Up Account

Traditional & Roth IRA accounts available
No monthly or annual fees
Tax savings potential
$5 IRA Share Minimum Opening Balance
IRA Share Certificates Starting at $500
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IRA Certificate Calculator

0.40 1.00 1.25 1.50 1.10 1.65 1.70 1.80

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Disclosures

Early withdrawal on certificates 91 days through 24 months will result in a penalty equal to 90 days dividend, at the certificate rate, on the amount withdrawn. 91 day Money Market certificate early withdrawal penalty is equal to 7 days dividends whether earned or unearned. Early withdrawal on certificates over 24 months will result in a penalty equal to 182 days dividend, at the certificate rate, on the amount withdrawn. A certificate may not be reduced below the required minimum balance.

* 91 Day Certificate not available for IRA.

Fees may reduce the earnings on some accounts. Annual Percentage Yield applies when the dividend is reinvested in the account.

See Rate and Fee Schedule.

Rates are subject to change without notice.

Federally insured by NCUA.

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