Certificates

Our Certificates provide flexible 6-month, 1, 2, 3, 4, 5 and 7 year terms with competitive rates. Minimum balance to open a certificate is $1,000. 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.