Individual Retirement Accounts (IRA)

Life is full of adventure! What’s Yours?

Whether it’s planning for retirement or those milestones in life. An IRA is a tax-advantaged account* with valuable and unique benefits for your long-term goals. Contributions can be deposited into an IRA Share account, IRA Jumbo Money Market Account or an IRA Certificate.

IRA accounts

Rates Effective June 22nd, 2024

Open an Individual Retirement Account (IRA)

Term Minimum Balance++ APY*
30 Month $1,000 4.25%

New Members taking advantage of our CD rates is as simple as visiting your nearest branch.

Traditional IRA

Offers an immediate tax benefit for qualified taxpayers, since contributions may be fully or partially deductible. The money in your Traditional IRA (including earnings) is generally not taxed until you make a withdrawal.

Roth IRA

Roth IRA's do not offer a deduction for your contributions. However, as long as you follow the IRS requirements, you may never have to pay tax on your earnings. Early withdrawals are allowed under certain conditions.


SEP IRA's provide an easy way for employers and self-employed individuals to set up a retirement account, with higher contribution levels than Traditional or Roth IRAs in many cases.

Short-Term IRAs

Term APY*
30 Day 0.05%
3 Month 0.15%
6 Month 0.30%
12 Month 0.40%

Long-Term Share IRAs

Term APY*
18 Month 0.50%
24 Month 0.50%
36 Month 0.50%
48 Month 0.50%
60 Month 0.50%

Always consult your tax advisor for any questions.

*APY = Annual Percentage Yield.
++Minimum balance to open is $1,000.00. The stated APY assumes that the dividends will remain on deposit until maturity. Rate is subject to change at any time. Available on IRA accounts. A penalty for early withdrawal may apply. This offer can be withdrawn at any time.