Individual Retirement Account


An Individual Retirement Account makes saving for retirement easy and gives you peace of mind. You can invest in either a Traditional or Roth IRA in a Share account or a CD. Discuss your retirement savings goals with our specialists to determine what kind of account best fits your needs.

IRA Types

An Individual Retirement Account may have household earnings restrictions, contribution limitations, and withdrawal limitations or requirements. Talk to one of our specialists to learn more about which account best fits your needs.



A Traditional IRA is an individual retirement account that allows you to save for retirement with tax-deferred earnings and the possibility of tax-deductible contributions. These tax advantages make the Traditional IRA a powerful tool in creating a balanced, long-term savings plan.



A Roth IRA is an individual retirement account that offers tax-free income in retirement. Because all Roth contributions must be included in your taxable income, and therefore are not tax-deductible, you can withdraw your contributions at any time, tax and penalty-free. Any earnings generated within the Individual Retirement Account are tax-deferred.


Rates and Accounts

An Individual Retirement Account Share or CD comes with our competitive savings rates. Early withdrawal penalties apply for CDs, with the exception of required minimum deductions.

Certificate Rates - Effective Tuesday, June 15, 2021
Certificate TermAPYMinimum Deposit
12 MONTH CERTIFICATE0.350%$1,000.00
18 MONTH CERTIFICATE0.400%$1,000.00
24 MONTH CERTIFICATE0.450%$1,000.00
36 MONTH CERTIFICATE0.500%$1,000.00
48 MONTH CERTIFICATE0.550%$1,000.00