Secure your future.

We offer a wide array of options and are happy to help you find the best fit for your golden years.

An Individual Retirement Account (IRA) allows you to save a portion of your earnings during your working years for use during retirement in a tax-advantaged way. When you are selecting which IRA is best for you, it’s all about timing. A traditional IRA provides potential tax relief today, and a Roth IRA is looking at more tax benefits at retirement.

Traditional IRAs

A tried and true way of saving for retirement. This may provide significant immediate tax savings, and by deferring all taxes on earnings, the power of compound earnings is strengthened. We offer IRA savings as well as share certificates.

  • Earnings accumulate tax-deferred
  • Contributions are tax-deductible if you qualify

IRA Savings

If you earn compensation and will not reach 70½ by the end of the year, you may contribute to a traditional IRA. The ability to defer taxes on the earnings, and to withdraw in a year when you may be in a lower tax bracket, can mean more after-tax dollars for your retirement.

IRA Long Term Share Certificates

For more conservative investors, this option offers guarantees and predictability. See exactly how much you’ll earn over the term, allowing you to plan your retirement date without worrying about the market.

  • Terms from 12-60 months.
  • There is a 180 day dividend penalty for early withdrawal.


Designed for tax-free growth. This type of account gives you the opportunity to set aside funds for retirement or for future spending needs. Withdraw money without penalty or taxes, making it an easy and safe way to plan for your future. We offer Roth IRA savings and share certificates.

  • Contributions are allowed at any age
  • Qualified distributions are tax-free
  • Flexible withdrawal options are available

Roth IRA Savings

Unlike traditional IRAs, these contributions are never tax-deductible, but the money invested can be withdrawn tax-free anytime. And if you qualify, you can withdraw the earnings tax-free, too.

Roth IRA Long Term Share Certificates

A conservative approach to retirement that grows tax-free.

  • Terms from 12-60 months.
  • There is a 180 day dividend penalty for early withdrawal.

Are you on the right path for a comfortable retirement?

Contact our knowledgable and helpful representatives to help you plan for your future.

IRA Certificate Rates

IRA Certificate Rates

See Current Rates