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Annual Percentage Yield (APY) is accurate as of and is subject to change at any time. Fees may reduce earnings.

*Refer to a qualified tax advisor
 

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.

 

Partial withdrawals 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.

 

If the certificate is redeemed within the first year, all dividends will be forfeited.

 

If after the first year, but prior to the maturity date, the early withdrawal penalty will equal 30% of what would have been earned if the certificate had been held to maturity, not to exceed total dividends earned.