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CDs & IRAs

Certificates of Deposit

Choose the right term that fits your needs.

• Several terms available from 1 month to 5 years
• FDIC Insured
• $500 Minimum deposit on terms 1 year and longer
• $1,000 Minimum deposit on terms 1 month through 6 months
• Principal value does not fluctuate
• Earn competitive rates
• Penalties apply for early withdrawal

Individual Retirement Accounts

Traditional IRA’s

The traditional IRA allows you to reduce your tax liability by investing your funds into a tax-deferred account.  Contributions are tax deductible if certain conditions are met, consult your tax advisor for eligibility requirements.

• $50 opens account
• No service fees
• Tax deferred earnings
• Contributions maybe tax deductible (consult your tax advisor)
• Earn competitive rates
• FDIC insured up to $250,000

ROTH IRA’s

The ROTH IRA is a nondeductible account that features tax-free distributions on earnings when certain requirements are met.  The ROTH IRA has the potential for huge tax savings.

• No service fees
• Earnings grow tax free
• Earn competitive rates
• $50 Minimum deposit
• FDIC insured up to $250,000
• Contribution limits per IRS rules
• 1 year and 3 year fixed rate terms available

Coverdell Education Savings Accounts

A tax deferred account for the purpose of saving money for education expenses.  Withdrawals are tax free if used for qualified educational expenses. 

• Principal is stable
• No service fees
• $50 opens account
• FDIC Insured
• Earn competitive rates
• Contributions limited to $2,000 per year