Your future is right around the corner

What you get:

  • Competitive interest above standard savings rates
  • Traditional and Roth IRA options
  • No setup fees
  • No monthly or annual maintenance fees
  • $6,500 contribution limit per year
  • Additional $1,000 “catch-up” contribution allowed for ages 50+
  • Funds can be used to purchase CDs within IRA
  • $1,000 minimum deposit to open

Traditional Vs. Roth

Traditional and Roth IRAs both offer tax-advantages to your saving. Traditional IRAs are taxed at the time of withdrawal, so you don’t pay income tax upfront on what you contribute. 

A Roth IRA is tax-exempt, meaning you can withdraw savings tax-free at the appropriate age. But you still pay your taxes on your full income, regardless of contribution level. Consult a tax advisor to see which IRA is right for you. 

Traditional IRA

  • No income limits to open
  • No minimum contribution requirement
  • Contributions are tax-deductible on state and federal income tax1
  • Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
  • Withdrawals can begin at age 59 ½
  • Early withdrawals subject to penalty2
  • Mandatory withdrawals at age 70 ½ 

Roth IRA

  • Income limits to be eligible to open Roth IRA3
  • Contributions are NOT tax-deductible
  • Earnings are 100% tax-free at withdrawal1
  • Principal contributions can be withdrawn without penalty1
  • Withdrawals on interest can begin at age 59 ½
  • Early withdrawals on interest subject to penalty2
  • No mandatory distribution age
  • No age limit on making contributions as long as you have earned income

Let's get started!

Your future is right around the corner. Let us help you make the most of it with an interest-bearing IRA.
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Need your home to work better for you?

With a Home Equity Line of Credit you can use the value you already have in your home to secure financing to make home improvements, or put in that pool you've always wanted!

What you need to know:

1Subject to some minimal conditions. Consult a tax advisor.

2Certain exceptions apply, such as healthcare, purchasing first home, etc.

3Consult a tax advisor.


1No interest earned on account for that quarter if balance falls below $100 at any time during the quarterly statement cycle.


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