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Individual Retirement Accounts

A great opportunity to save and enjoy tax advantages at the same time:

  • Variable IRAs and IRA CDs available
  • $5 minimum opening balance for variable IRA
  • Competitive rates maintained and posted in our bank lobbies, as well as our drive-ups, walk-ups and here on our website 
  • IRA earnings are tax deferred until withdrawn

ROTH, Education and Simple IRAs are also available upon request


Individual Retirement Account Rates
Type Interest Compounded Minimum To Open Minimum to Earn Stated APY Interest Rate Annual Percentage Yield

Additional disclosures are available to explain the calculation of Annual Percentage Yield (APY).

At our discretion we may change the interest rate on your account at any time.

Interest is compounded and credited monthly.

Fees may reduce earnings.


Rates effective as of January 1, 2014

Variable IRA & Roth IRA Monthly $5.00 $100.00 0.65% 0.65%
Fixed IRA & Roth IRA Quarterly $500.00 $500.00 **see CD rates and terms **see CD rates and terms
Education IRA Quarterly $100.00 $100.00 0.90% 0.90%