individual retirement account 

Save Now so you can play later

You spend a lifetime working. When you're done with your 9 to 5 gig, you want to make sure you can enjoy your non-working years. With an IRA, you're one step closer.

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at a glance

Save For Retirement The Easy Way

An Individual Retirement Account (IRA) offers a way to grow your money while enjoying potential tax advantages1. Once your funds are in an IRA, you can invest in a variety of options, including savings accounts and certificates of deposit. Additionally, an IRA can be a valuable tool for setting aside funds for your child's education.

Walk-Ins Welcome

No appointment required for account opening.

Potential Tax Advantages

Grow your money with potential tax advantages, including tax-free deductible contributions with a Traditional IRA or tax-free withdrawals with a Roth IRA.1

IRA Certificates

Certificate options are available for those seeking a higher rate option.

account options

Explore IRA Options

Choose an IRA account to get your financial plan in motion. Penalties may apply for early withdrawals.

Traditional IRA

For those who still earn income.

Benefit from deducting your contributions from your income taxes, depending on your income level. You'll be able to enjoy tax benefits now and watch your money grow tax-free. Once you reach the age where you can begin making withdrawals, any distributions you take will be taxed.

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roth ira

For those who want flexibility.

Enjoy completely tax-free distributions. Contributions are taxed now so you won't have to pay later when you take withdrawals. Roth IRAs are unavailable for those earning over a certain income level.
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Educational IRA

For those who are looking to cover college expenses.

The Coverdell Educational IRA allows your money to grow tax-free to cover the cost of qualified higher education expenses. Withdrawals will not be taxed as long as the distributions are less than the beneficiary's education expenses. Contributions are limited to a specific amount based on your level of income.
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Benefits of Traditional and Roth IRAs

Traditional & Roth IRAs are the most popular IRA options. Here's a comparison of some of the benefits:
Your benefits include...

Traditional IRA

Roth IRA
Contributions are tax-deductible,
as long as certain criteria are met		 green-tick
Withdraw contributions at any time,
tax- and penalty-free		 green-tick
Tax-free withdrawals during retirement,
as long as certain criteria are met		 green-tick
No Required Minimum Distributions (RMDs),
no matter your age		 green-tick
Contributions can be made
regardless of income level		 green-tick
Consolidate before-tax retirement
accounts without paying taxes		 green-tick
Contributions can be made at any age,
provided you have earned income		 green-tick
Earnings generated from IRA
are tax-deferred		 green-tick green-tick
1. Consult your tax advisor for more information.

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