Retirement savings with a local point of contact.

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.

12 Month IRA

0.30% APY*

$500.00 to open

18 Month IRA

2.15% APY*

$500.00 to open

30 Month IRA

2.15% APY*

$500.00 to open

60 Month IRA

2.15% APY*

$500.00 to open

* Annual Percentage Yield (APY) is accurate as of effective date and represents the total interest earned, including compounding interest, over a one-year period. You must maintain an account balance equal to or greater than the required minimum opening balance to earn the Annual Percentage Yield. Fees may reduce earnings. Early withdrawal penalties may apply.

* 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.