IRAs Overview
  • *Please see 'Details and Disclosures' below for important account information.


  • Traditional IRA Share Account

    Traditional IRA Share Account



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    • Earnings are tax deferred
     0.05% APY 
    • Contribute at any time up to IRA limits
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    IRA Premier Account

    IRA Premier Account



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    • Two tier account
    • High yield returns*
    0.05% Dividend Rate / 0.05% APY Low Tier: $0 - $9,999.99
    0.05% Dividend Rate / 0.05% APY High Tier: $10,000 and over
    • Low Tier: $0-$9,999.99
    • High Tier: $10,000 and over
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    Roth IRA

    Roth IRA



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    • Can make contributions after the age of 70 1/2
    • Eligible withdrawals are tax free
    • Not required to take a distribution after 70 1/2

    Share Account Rate: 0.05% APY

     

    IRA Certificate Rates

    Term Dividend Rate APY
    1-Year 0.800% 0.80%
    2-Year 0.900% 0.90%
    3-Year 1.000% 1.00%
    4-Year 1.250% 1.26%
    5-Year 1.500% 1.51%
    7-Year 1.500% 1.51%
    • Minimum opening deposit: $25
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    IRA Certificates

    IRA Certificates



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    • Dividends are compounded daily and paid monthly for maximum returns
    • Make partial withdrawals for qualified distributions from IRA certificates without an early redemption penalty**

    IRA Certificate Rates

    Term Dividend Rate APY
    1-Year 0.800% 0.80%
    2-Year 0.900% 0.90%
    3-Year 1.000% 1.00%
    4-Year 1.250% 1.26%
    5-Year 1.500% 1.51%
    7-Year 1.500% 1.51%
    • Contributions may be tax deductible.
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  • Details and Disclosures

  • Annual Percentage Yield (APY) is accurate as of April 01, 2014 - April 30, 2014 and is subject to change at any time. Fees may reduce earnings.
     

    IRA Premier


    *A $10,000 account balance must be maintained to receive this higher rate. Account balances below $10,000 earn a lower return. Call for details.


    Rates could change after account opening.
     

    Roth IRA


    Rates could change after account opening.


    To take a qualified distribution, and avoid any tax liabilities, you must wait until after the five-taxable-year period beginning with the taxable year in which you first contributed to a Roth IRA.
     

    IRA Certificates


    Rates are subject to change monthly and are fixed for the term of the certificate. Certificates dividends compound daily. The minimum balance to open a certificate is $1,000.

     

    **Note that any IRA Certificates opened or renewed prior to September 1, 2007, can be redeemed before maturity without a penalty, if the Member is at least 59 1/2 years old. A penalty will be imposed for early redemption of an IRA Certificate that was opened or renewed after September 1, 2007, regardless of the member's age. This fee could reduce your earnings. Partial withdrawls for members over the age 59 1/2 (including Required Minimum Distributions) and qualified distributions regardless of age (including Disability) may be processed from IRA certificates without incurring an early redemption penalty.

     

    Early Redemption Penalties

    Penalties are imposed for early redemption of certificates. You must provide your request in writing.