Retirement

Make Sure the Rest of Your Life Is the Best of Your Life

Whether you are retiring years from now or just a few months down the road, we’re here to help you prepare for the years ahead.

Call our retirement specialists today at
(877) 417-6547.

Our IRA Options

  • TRADITIONAL IRA
  • ROTH IRA
  • SEP IRA

IRA limits are higher than ever before, making them a powerful retirement investment option. Plus, workers age 50 and older can make “catch-up” contributions to help accelerate investment growth.

Contributions to your traditional IRA may be tax-deductible1. But even if you don't qualify, your IRA interest remains tax-deferred until it’s withdrawn. At that time you will most likely be in a lower tax bracket.

Call our retirement specialists today at (877) 417-6547.

1Please consult your tax advisor.

Roth contributions are not tax-deductible, but your earnings grow tax-deferred. After five years, you may qualify for tax-free withdrawals on qualified distributions. Also, you can always get back your principal tax-free and IRS penalty-free for any reason.1 Unlike a Traditional IRA, a Roth IRA allows contributions after age 70 1/2 for working individuals with no mandatory distribution requirement.

Call our retirement specialists today at (877) 417-6547.

1Please consult your tax advisor.

The Simplified Employee Pension (SEP) is a qualified retirement plan established or adopted by employers for themselves and their employees. All Qualified Plans are IRS approved and may be used by sole proprietors, partnerships and corporations. The SEP plan is one of the more popular Qualified Plans because it combines the simplicity of an IRA with the added benefits of a Qualified Plan. A SEP is designed to permit an employer to contribute to employees' IRAs. This contribution is excluded from the employee's current taxable income, and the employer may deduct the contributions as a business expense.1

Call our retirement specialists today at (877) 417-6547.

1Please consult your tax advisor.

Our IRA Accounts

  • IRA CD

A retirement CD can provide stability in your retirement portfolio. We believe that savings is the key to success, and we want to help you develop a steady plan to save for your future.

Product Minimum to Open Current Interest Rate Current APY*
90 Day CD $500 0.98% 1.00%
6 Month CD $500 1.23% 1.25%
9 Month CD $500 1.47% 1.50%
12 Month CD $500 1.86% 1.90%
18 Month CD $500 2.10% 2.15%
24 Month CD $500 2.19% 2.25%
36 Month CD $500 2.24% 2.30%
60 Month CD $500 2.53% 2.60%
72 Month CD $500 2.92% 3.00%
84 Month CD $500 2.92% 3.00%

 

Visit your local branch or call (877) 417-6547 to get started.

Rates are effective as of 10/1/2018

*Annual Percentage Yield

***Rate varies monthly

Fees charged on some accounts may reduce your earnings.

Early withdrawal penalties apply on CD accounts.

Each IRA certificate of deposit may only be opened as part of an individual Retirements Account relationship.

Rates & terms are subject to change without notice.

 

OUR OTHER OPTIONS

  • Coverdell Education Savings Account
  • Qualified Plans

The Coverdell Education Savings Account is a nondeductible account that features tax-free withdrawals for a specific purpose – a child's education expenses. The annual contribution limit is $2,000.

Money put aside grows tax-free and can be withdrawn tax-free as long as the proceeds are used for qualified educational expenses at an eligible educational institution such as a college, trade school, private elementary school or private high school.

Call our retirement specialists today at (877) 417-6547.

Consult you tax advisor regarding tax benefits of a Coverdell Education Savings Account.

 

Qualified Plans are retirement plans established or adopted by employers for themselves and for the employees of the business. These plans are IRS approved and may be used by sole proprietors, partnerships and corporations.

Call our retirement specialists today at (877) 417-6547.

Consult you tax advisor regarding tax benefits of Qualified Plans.

tools

Our tools and resources

Explore budgeting tools, helpful video demos, and security tips in our resource section.

Go now