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 July 1 2010
Interest Rate
APY*
Minimum to Obtain APY
Required to Open
1 Year
1.350%
1.36%
$500.00
$500.00
18 Month
1.500%
1.51%
$500.00
$500.00
2 Year
1.750%
1.76%
$500.00
$500.00
30 Month
1.750%
1.76%
$500.00
$500.00
3 Year
2.150%
2.17%
$500.00
$500.00
4 Year
2.250%
2.27%
$500.00
$500.00
5 Year
2.500%
2.53%
$500.00
$500.00
10 Year
2.100%
2.12%
$500.00
$500.00
Roth IRA - 5 Year
2.500%
2.53%
$500.00
$500.00
Education IRA - 5 Year
2.500%
2.53%
$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 Substantial interest penalty is required for early withdrawl: 3 month penalty will be assessed on amount withdrawn.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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