Benefits Include:

• Money cannot be withdrawn without the presence of the passbook.
• Accounts are available to all entities that qualify.
• Rates

Benefits Include:

• Account available for a fixed term. Christmas clubs usually disburse in October.
• Minimum balance $1.00
• Rates

Benefits Include:

• Account has limited check writing ability.
• Pays interest on balances over $25.00.
• Electronic Statements for your convenience.
• Rates

Benefits Include:

• Account has limited check writing ability.
• Interest rates are tiered depending on balance.
• No monthly fee.
• Rates

• Rates

You can choose from several options:

• Traditional IRA benefits:
• Can be opened without the participation of an employer.
• May receive immediate tax benefits with contributions and/or earnings may be tax deferred until retirement.
• Accessibility, funds always available, however, early withdrawal penalties and IRA fees may apply.
• Contributions of $4,000 per year are allowed (some exceptions).
• Roth IRA benefits:
• Can be opened without the participation of an employer.
• Contributions are made after taxes allowing any qualifying principal distribution to be tax free.
• A first home purchase is considered a qualified distribution, however other restrictions may apply for early withdrawals.
• Contributions of $4,000 per year are allowed (some exceptions).
• No age limit to make contributions (traditional 70 ½).
• Coverdell Educational (CESA) IRA benefits:
• Contributions of $2,000 a year after taxes can be made.
• Eligible taxpayers can be parents, grandparents, other family members and friends.
• All qualified educational withdrawals paid to eligible educational institutions are paid tax free.
• Penalties will apply for unqualified withdrawals.
• Call or come into the bank for a more detailed description and explanation of all IRA products.
• Rates

• Apply now.