Certificates
Our Certificates provide flexible 6-month, 1, 2, 3, 4, 5 and 7 year terms with competitive rates.

  • $1,000 minimum balance
  • There is a penalty for early withdrawal
  • Dividends are calculated by the Daily Balance Method and are compounded and credited monthly

IRAs

Roth IRAs

  • The Roth IRA expands after-tax investment opportunities and may allow you to invest up to $4,000 per year ($8,000 per married couple).
  • Roth IRAs offer members tax-free withdrawals at retirement or for certain other qualified uses.

Traditional IRAs

  • This popular investment tool continues to grow due to its simplicity and benefits.
  • Familiar to many investors, the Traditional IRA offers the opportunity for pretax investments and tax-deferred growth for retirement and other financial needs.

Coverdell Education Savings Accounts

  • Coverdell Education Savings Accounts (formerly Education IRAs) provide a tax-advantage not offered by other types of savings accounts.
  • Earnings are tax-deferred and may be tax-free if used for educational purposes.
  • With increased contribution limits and expanded "qualified" (tax-free) expenses, individuals have a greater opportunity to enjoy the benefits offered.

 

 
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