saving to retire 
  Saving for retirement 

Individual Retirement Accounts

Save for your retirement in an open deposit account or term share certificate and enjoy tax-deferred earnings.

  • Open Deposit Account – $10.00 minimum deposit. Dividend compounded monthly and is paid on the daily balance.

  • Term Share Certificate – $1,000 minimum deposit for 12, 24, 36, 48, 60 month terms. $5,000 minimum deposit for 3, 6 month terms. Dividend computed and credited quarterly. A penalty may be imposed for early withdrawal of funds.


We offer a variety of IRA options to choose from: Traditional, Roth, or Education IRAs. IRA funds are insured up to $250,000.00 as of 10/3/2008. IRA Required Minimum Distributions (RMD) can be withdrawn for an IRA Certificate with NO withdrawal penalty imposed. Consult a tax advisor on how an IRA option might benefit your financial situation then open an IRA account today!