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Maximize Your Retirement Potential

Individual Retirement Accounts (IRAs)

Our individual retirement accounts (IRAs) let you save for retirement with significant tax advantages. Traditional IRA accounts are taxed-deferred until you withdraw, so you don’t pay any taxes on funds until you are ready to cash out. Plus, funds are compounding, so the earlier you start saving, the more you can maximize your retirement potential. 

Contact us to open and IRA.

IRA & IRA Share

Deposit Type Minimum Balance** Dividend Rate APY * Dividend Period
†9 Month $5,000 4.17% 4.25% Monthly
IRA Share Incremental Deposit IRA 0.10% 0.10% Monthly
6 Month $500 1.75% 1.76% Monthly
1 Year $500 1.75% 1.76% Monthly
2 Year $500 2.00% 2.02% Monthly
3 Year $500 2.05% 2.07% Monthly
4 Year $500 2.10% 2.12% Monthly
5 Year $500 2.20% 2.22% Monthly

APY is accurate as of June 2, 2025 the last dividend declaration date.
Maintenance or activity fees could reduce the earnings on the account. Term share certificates are subject to early withdrawal penalties which may reduce earnings. Rates for Traditional, Educational and Roth IRA’s are the same, though tax consequences may vary. Contact a tax advisor for more information. Membership is required.
*APY equals Annual Percentage Yield.
**Minimum balance required to earn the advertised APY.

†Special subject to change without prior notice and available for a limited time. Maximum funding of $250,000. Financial Institutions and public funds are ineligible. 9-month certificate renews automatically to a standard 12-month certificate at rates in effect at time of renewal.

share cert

Share Certificate

This alternative to traditional savings rewards you for keeping your money in an account for a fixed period of time, called a term.

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HSA

HSA

A Health Savings Account (HSA) is a tax-exempt account that allows you to save money to pay for future medical expenses.

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