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Individual Retirement Accounts

A plan which allows an individual's retirement savings to grow tax-deferred, providing tax savings and a more comfortable retirement.


  • Account may be opened and contributions made for a particular tax year up until April 15 of the following year
  • Contributions may be tax deductible*
  • Savings instruments may be variable or fixed
  • FDIC Insurance
  • May begin withdrawing at age 59 1/2


  • Flexibility, may vary amount each year
  • Potential tax savings
  • Safety
  • Retirement income

Opening Requirements:

  • Minimum deposit:  $50.00 for variable rate IRA
  • Minimum deposit:  $1,000.00 for a fixed rate IRA


*Consult a tax advisor regarding the deductibility of interest.