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IRAs

We want you to get the most out of your retirement. Our individual retirement accounts (IRAs) let you save for retirement with significant tax advantages. The sooner you start, the longer your money has to grow.

DEPOSIT TYPE MINIMUM BALANCE** RATE APY * DIVIDEND PERIOD
9 Month† $5,000 1.98% 2.00% Monthly
18 Month† $5,000 2.47% 2.50% Monthly
IRA Share Incremental Deposit IRA 0.10% 0.10% Monthly
6 Month $500 1.24% 1.25% Monthly
1 Year $500 - $9,999 1.44% 1.45% Monthly
1 Year $10,000 - $24,999 1.49% 1.50% Monthly
1 Year $25,000 & Over 1.54% 1.55% Monthly
2 Year $500 - $9,999 1.69% 1.70% Monthly
2 Year $10,000 - $24,999 1.74% 1.75% Monthly
2 Year $25,000 & Over 1.79% 1.80% Monthly
3 Year $500 - $9,999 1.93% 1.95% Monthly
3 Year $10,000 - $24,999 1.98% 2.00% Monthly
3 Year $25,000 & Over 2.03% 2.05% Monthly
4 Year $500 - $9,999 2.42% 2.45% Monthly
4 Year $10,000 - $24,999 2.47% 2.50% Monthly
4 Year $25,000 & Over 2.52% 2.55% Monthly
5 Year $500 - $9,999 2.91% 2.95% Monthly
5 Year $10,000 - $24,999 2.96% 3.00% Monthly
5 Year $25,000 & Over 3.01% 3.05% Monthly

APY is accurate as of October 26, 2018 the last dividend declaration date.
Rates may change after the account is opened. 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.

†Annual percentage yield. Minimum of $5,000 deposit to receive 2.00% APY for the 9 month term and 2.50% APY for the 18 month term. Dividend period is a calendar month and dividends will be compounded monthly and credited monthly. Rates are accurate as of October 26, 2018, are subject to change, and available for a limited time. Penalty for early withdrawal. Fees could reduce earnings on account. Other rates and terms available. Certificate renews automatically to a standard 12 month certificate at the rate in effect at the time of renewal. Your savings are federally insured to at least $250,000. Membership is required.