An IRA certificate is a safe, convenient way to save for retirement: the guaranteed return of a certificate of deposit, inside a tax-advantaged retirement account. We offer Traditional and Roth IRAs with a $500 minimum opening deposit.
Traditional IRA
Direct pretax income toward savings that grow tax deferred until withdrawal.
- $500 minimum opening deposit
- Terms of 12, 18, 30 or 60 months
- Guaranteed rate for the full term
Early-withdrawal penalties apply.
Roth IRA
Set aside after-tax income each year; qualified withdrawals after age 59 ½ are tax free.
- $500 minimum opening deposit
- Terms of 12, 18, 30 or 60 months
- Guaranteed rate for the full term
Early-withdrawal penalties apply.
Current rates.
Effective 9/25/2024. Rates may change after the account is opened. Fees may reduce earnings.
* Annual Percentage Yield. See all rates, terms and account requirements.
Not sure which is right for your situation? This is educational information, not tax advice; a Customer Service Representative can walk you through how each account works, and the IRA contribution calculator and RMD calculator can help you think it through. For tax questions, talk with your tax advisor.
Opening an IRA
Visit your local branch in Greenville, Hermitage, or New Wilmington to get started, or call 724-588-5420 with your questions first.
