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IRA

Invest in your future

Individual retirement savings accounts (IRAs) allow you to cover your retirement or educational needs in the form of savings accounts and share certificates.

What's in it for you:


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Traditional IRA
Save for retirement as your pre-tax dollars grow and compound. 

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Roth IRA
Allows you to set aside after-tax income up to a specified amount each year. 
 
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Educational Savings Account (ESA)
Designed to help families pay for education related expenses with tax-free withdrawals.

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Everything you need to know about IRAs

A Traditional IRA certificate is used for money that has not yet been taxed (pre-tax dollars). Your pre-tax dollars grow and compound without being taxed until the day that you withdraw them. You may begin withdrawing the funds at age 59 ½ and will be required to begin making annual withdrawals, sometimes called “required minimum distributions” the year in which you turn 70 ½. Most of our regular CD rates and terms apply to traditional IRAs as well.
An individual retirement account allowing a person to set aside after-tax income up to a specified amount each year. Earnings on the account and withdrawals after age 59 1/2 are tax-free. Consult a tax professional for additional restrictions which may apply. 
Also known as "Coverdell IRAs." A Coverdell ESA account is a trust or custodial account designed to help families pay for education and education related expenses. Coverdell ESA offers tax-free earnings growth and tax-free withdrawals when the funds are spent on qualified expenses. 

These accounts come in various forms including savings and CDs. Ask us how an ESA might be right for your family.

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