Secure Your Future With an IRA
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IRA Rates
| Term | Min Bal | Rate | APY* |
|---|---|---|---|
| 12 months | $1,000 | 3.20% | 3.25% |
| 13 months | $1,000 | 3.20% | 3.25% |
| 18 months | $1,000 | 2.955% | 3.00% |
| 24 months | $1,000 | 2.47% | 2.50% |
| 30 months | $1,000 | 2.23% | 2.50% |
| 36 months | $1,000 | 1.98% | 2.00% |
| 48 months | $1,000 | 1.98% | 2.00% |
| 60 months | $1,000 | 1.98% | 2.00% |
You might be able to save on your present taxes with an Individual Retirement Account, by deducting your qualified contributions from your taxable income. Many Americans can deduct all or part of their IRA contributions from current income taxes. The deductible amount depends on your income, marital status, and whether you’re an active participant in an employer-sponsored plan as defined by the Internal Revenue Service.
With an Individual Retirement Account, you may also be able to defer taxes until you retire. You may want to consult your tax advisor to review the tax-deductible status of an IRA. Regardless of the amount you’ll be able to save now on taxes, an IRA is a smart way to save up for a secure retirement.
If you’re changing employers, an IRA Rollover makes sense. If you are retiring or changing jobs and anticipate withdrawing money from your employer’s retirement plan, you can avoid withdrawal penalties by transferring your assets into an IRA or another qualified plan. You can ask your employer to arrange for a “direct rollover” of your money into a new IRA account with us, or you can do it yourself with an IRA-to-IRA rollover.
You must complete the rollover within 60 days from the date you receive the assets from your old IRA in order to qualify. We recommend consulting your tax professional to determine your best course of action to maximize potential tax benefits from an IRA.
IRA (Individual Retirement Account)
IRA Options
- Roth
- Traditional
- SEP
- CESA
- Simple
- IRA rollover
TERMS AND CONDITIONS
Please contact our representative for complete disclosures on our products/services.
*A penalty may be imposed for early withdrawal.
*Interest rates are based on Market conditions.
*IRA’s – Term must be for 12 months or greater – same as CD’s
*Rates subject to change without notice.
*APY refers to Annual Percentage Yield based on simple interest.
*APR refers to Annual Percentage Rate based on simple interest
Rates are accurate as of 01/26/26.