Open an IRA

  

Special IRA Rates

Plan for your retirement – or your child's or grandchild's education – with an IRA. Our special rates make this a great time to get started. You can even use your tax return to open your IRA.

Featured Rates:

15 mo. IRA
2.00% APY*

39 mo. IRA
2.40% APY*

Contact Us to Open

Already have an IRA? To renew your IRA, give us a call, stop by a branch or send us a Secure Message in Web Branch.

Father looks at IRA specials with his daughter on a tablet.

Which IRA is right for you?

Traditional IRA

Save for your retirement, and your contributions may be tax deductible.

Benefits

  • Contributions may be tax deductible
  • Dividends grow tax-deferred until withdrawn
  • Funds may be used to purchase a first home, up to a $10,000 lifetime maximum
  • Funds may be used to pay for qualifying education expenses

Roth IRA

Save for your retirement by sheltering your earnings from income tax.

Benefits

  • Withdrawals and earnings are tax-free if the account has been open 5+ years and are used for qualified expenses
  • No requirement to withdraw at any age
  • Contributions can be made at any age**
  • Funds can be used to purchase a first home, up to a $10,000 lifetime maximum


Coverdell Education Savings Account (CESA)

Save for a child’s or grandchild’s education.

Benefits

  • All withdrawals, including earnings, are tax-free for qualified education expenses
  • Funds can be rolled over to another family members CESA
  • Contributions to CESAs are allowed regardless of Traditional or Roth IRA participation

Learn MoreContact Us to Open Your IRA

Save Smarter with These Tips

Looking for more ways to prepare your savings for the future? You may be interested in these articles:

Calculate Your Savings

Use our helpful calculators to determine which option is best for you: