- Tax Advantages: You've got choices. Choose between tax-free growth (Roth IRA) or tax-deferred savings (Traditional IRA) to maximize your retirement dollars.
- Flexible Contributions: Start small and grow your investments over time. You can always contribute more as your life and goals evolve.
- Professional Support: Our experts are here to help you every step of the way, from opening your account to planning your withdrawals. We're here for you!
Individual Retirement Accounts (IRAs)
Whether you're eyeing a sun-soaked paradise or simply looking for financial peace of mind, the best time to start planning your retirement is now.
Invest in Your Future Self with an IRA.
Understanding retirement and your options.
Maybe retirement feels like a world away, or you’re counting down the days. Either way, understanding your options and investing in an Individual Retirement Account (IRA) now can give your future self the peace of mind and relaxation you deserve.
Individual Retirement Accounts
Learn about the basics of an IRA, the difference between Roth and Traditional, and see how much you should be saving in order to enjoy the standard of living you want when you retire.
Making Critical Retirement Choices
There are a lot of decisions to make when thinking about retirement. The sooner you make a plan and put it into action, the more choices you’ll have in your golden years.
Am I ready to retire?
Everyone has different goals and needs for retirement. Our free guide will help you set a realistic retirement goal and evaluate whether you're on track to meet it.
Current Rates
Individual Retirement Accounts (IRA)
(Traditional & Roth IRA)
Rates effective as of 9/3/2026
| Name | Minimum | Dividend Rate | APY* |
|---|---|---|---|
| Traditional IRA | None | 0.50% | 0.50% |
| Roth IRA | None | 0.50% | 0.50% |
*APY = Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest. Fees may reduce earnings.
Certificates of Deposit
(Regular, Traditional & Roth IRA)
Rates effective as of 9/3/2026
| Term | Dividend Rate | APY* | Minimum |
|---|---|---|---|
| 6 Mo. | 2.75% | 2.79% | $1,000 |
| 12 Mo. | 3.25% | 3.30% | $1,000 |
| 18 Mo. | 2.25% | 2.27% | $1,000 |
| 24 Mo. | 2.75% | 2.79% | $1,000 |
| 30 Mo. | 2.25% | 2.27% | $1,000 |
| 36 Mo. | 2.75% | 2.79% | $1,000 |
| 48 Mo. | 2.25% | 2.27% | $1,000 |
| 60 Mo. | 2.25% | 2.27% | $1,000 |
*APY = Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest. Fees may reduce earnings. Penalty applies for early withdrawal.
Jumbo Certificates of Deposit
(Regular, Traditional & Roth IRA)
Rates effective as of 9/3/2026
| Term | Dividend Rate | APY* | Minimum |
|---|---|---|---|
| 12 Mo. | 3.40% | 3.45% | $100,000 |
| 18 Mo. | 2.40% | 2.43% | $100,000 |
| 24 Mo. | 2.90% | 2.94% | $100,000 |
| 30 Mo. | 2.40% | 2.43% | $100,000 |
| 36 Mo. | 2.90% | 2.94% | $100,000 |
| 48 Mo. | 2.40% | 2.43% | $100,000 |
| 60 Mo. | 2.40% | 2.43% | $100,000 |
*APY = Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest. Fees may reduce earnings. Penalty applies for early withdrawal.