Individual Retirement Accounts: an investment opportunity for you to invest in your future.

There is a $500.00 minimum deposit required to open.

  • Deposit and interest are tax deductible
  • Various options, rates, maturities and types are available for consideration
  • Early withdrawal penalty of three months' interest will apply

Consult your tax advisor.

Individual Retirement Accounts**
Rates Effective November 1, 2008
Interest Rate
APY*
Minimum to Obtain APY
Required to Open
1 Year
2.900%
2.92%
$500.00
$500.00
18 Month
2.950%
2.97%
$500.00
$500.00
2 Year
3.150%
3.17%
$500.00
$500.00
30 Month
3.200%
3.23%
$500.00
$500.00
3 Year
3.400%
3.43%
$500.00
$500.00
4 Year
3.650%
3.68%
$500.00
$500.00
5 Year
3.900%
3.94%
$500.00
$500.00
10 Year
3.750%
3.79%
$500.00
$500.00
Roth/Education - 5 Year
3.750%
3.79%
$500.00
$500.00
Education IRA - 5 Year
3.750%
3.79%
$500.00
$500.00
* APY = Annual Percentage Yield. The APY assumes funds will remain on the deposit a full year at the advertised rate.

** Funds must remain on deposit until maturity to earn the advertised yield. Substantial interest penalty is required for early withdrawl: 3 month penalty will be assessed on amount withdrawn. Penalty for early withdrawal if not 59 1/2 years of age.

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