Individual Retirement Accounts

Roth IRA & Traditional IRA Options.

Spend your retirement years on the green, not worrying about the green in your wallet.

Enjoying a fulfilling retirement is all about saving early. Choose the right individual retirement account that best suits your goals – while also benefiting from unique tax advantages each plan provides. Get started saving today and retire in style.

Interested In A Roth IRA or Traditional IRA?

Enjoy these Individual Retirement Account perks:

Achieve your retirement goals with IRAs that offer great rates!

IRA Term

APR

APY*

3 Month

0.25%

0.25%

6 Month

0.30%

0.30%

12 Month

1.34%

1.35%

24 Month

1.49%

1.50%

36 Month

1.19%

1.20%

48 Month

1.88%

1.90%

60 Month

1.98%

2.00%

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Traditional IRA vs. Roth IRA

There are advantages to both traditional IRAs and Roth IRAs. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.

Traditional IRA

  • No income limits to open
  • No minimum contribution in any year allowing flexibility
  • Contributions may be tax deductible on state and federal income tax*
  • Earnings are tax deferred until withdrawn
  • Withdrawals can begin at age 59½
  • Early withdrawals subject to penalty*
  • Mandatory withdrawals at age 70½

Roth IRA

  • Income limits to be eligible to open Roth IRA*
  • Contributions are NOT tax deductible
  • Earnings may be 100% tax free at withdrawal*
  • Principal contributions can be withdrawn without penalty*
  • Withdrawals on interest can begin at age 59½
  • Early withdrawals on interest subject to penalty*
  • No mandatory distribution ages
  • No age limit on making contributions as long as you have earned income

*APY=Annual Percentage Yield. Penalties may be imposed for early withdrawals. Service fees or penalties charged against the account  may reduce earnings. Certain exceptions apply, such as healthcare, purchasing first home, etc. Consult a tax advisor for specific details. Interest Rates and Annual Percentage Yields are effective as of 12/18/2017 and subject to change without notice.

Additional terms and conditions or fees may apply to the product described. Please contact us or visit one of our branches for full account details.