The future waits for no one, so don’t wait to open a retirement account!
Whether you're looking for tax benefits now or in years to come, our savings options will give your future self something to smile about (and it’s never too late to start).
- No annual maintenance fee
- No monthly service charge
- No below minimum balance fee

Roth IRA
Pay taxes on deposits now for tax-free withdrawals in retirement.
Characteristics:
- Contributions made from after-tax dollars
- Earnings grow tax-free
- Tax-free withdrawals in retirement
- Income limits affect eligibility
- Early withdrawal = no taxes or penalty unless withdrawing earnings rather than contributions
- No minimum distribution requirement until the death of the account owner
- 5-year holding period
- Annual contribution limits

Traditional IRA
Make a tax-free deposit before retirement and pay taxes on withdrawals later.
Characteristics:
- Contributions made from pre-tax dollars
- Earnings grow tax-free
- Tax-free contributions
- Open to anyone with earned income
- Taxed on withdrawals in retirement
- Early withdrawal = 10% tax penalty and taxed on amount withdrawn
- Required minimum distributions (RDMs)
- No holding period
- Annual contribution limits

Health Savings Account (HSA)
Triple tax-advantaged accounts that are used to pay for qualifying medical expenses with pre-tax contributions. Money saved within the account can be used in retirement.
Characteristics:
- Tax-free account contributions
- Contributions grow tax-free
- Tax-free withdrawals when used for qualifying medical expenses
- Savings can be used for non-qualifying expenses after turning 65, but account holders must pay regular income tax on non-qualified withdrawals in retirement.
- Income tax and penalty on withdrawals for non-qualifying expenses before 65.
IRA Certificates of Deposit (CD)
Looking for a tax advantage? Our zero-fee IRA certificates work just like a regular time deposit account, but they are held within an individual retirement account. Depending on what kind of IRA you use, you can benefit from tax advantages that work best for you while earning guaranteed growth.
Traditional IRA CDs = Tax-deferred growth
Roth IRA CDs = Tax-free growth
18 months 0.15% APY*
24 months 0.15% APY*
30 months 0.20% APY*
Daily 0.01% APY*
Get Started
Speak to a member of our team to set up your retirement account today!
Minimum deposit of $250 required on all regular IRAs and IRA CDs.
Individual Retirement Accounts are insured separately up to $250,000.