Individual Retirement Accounts (IRAs)

The Boy Scouts have a motto: "be prepared." They may be talking about carrying a pocketknife or learning to tie knots, but it applies toward retirement too. Now is the time to start saving so that your money is working for you when you're ready to stop.

Let us help you achieve your retirement goals through one of our insured IRA accounts. We offer traditional and Roth IRAs, as well as Coverdell Education Savings Accounts to help provide for a child's higher education costs.

Traditional IRA

Save for retirement and get special tax advantages now.

• Save for retirement
• Earn dividends tax deferred
• Contributions may be tax deductible
• Withdrawals are taxed as income
• Available as savings or certificate account
• No maintenance fees
• NCUA insured

Take a look at our current rates.

Roth IRA

Build your savings and pay taxes now so you can use your savings freely in retirement, when you no longer have a regular salary.

• Contributions are not tax deductible
• Earn dividends tax free
• Withdrawals are tax free
• Available as savings or certificate account
• No maintenance fees
• NCUA insured

Coverdell ESA

This account (previously known as the Education IRA) was created to help you save for your child's education. It works like a Roth IRA but has special exceptions for qualified education expenses.

• Annual contribution limits of $2,000
• Contributions are not tax deductible
• Earn dividends tax free
• Make withdrawals tax free for qualified education expenses
• Available as savings or certificate account
• No maintenance fees
• NCUA insured