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CD/IRA

New Great Rates - 13 Mo 2.41% APY, 25 Mo 2.71% APY, 37 Mo 3.01% APY

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CDs

NEW CD RATES
2.41% APY* for 13 months
2.71% APY* for 25 months
3.01% APY* for 37 months
 
These are for any customer who is looking for a way to save money through a short, intermediate, or long-term investment option.

  • Minimum deposit required
  • Flexible terms
  • Competitive interest rates, compounded and credited monthly
  • Monthly interest distribution available
  • Early withdrawal penalties may apply

IRAs


Planning for life changes in the future can be easy with IRAs. They are for any customer who wants to save or rollover funds for retirement or education with tax advantages while earning interest. 


Traditional IRA

  • To qualify you must have earned income and not have reached the age of 70 ½ by the end of that tax year
  • Qualified individuals may contribute at anytime
  • There is a maximum contribution per year and also the ability to make catch-up contributions
  • Defer taxes on your earnings until withdrawal
  • Some contributions are tax deductible


ROTH IRA

  • To qualify you must have earned income, but there are no age restrictions
  • Qualified individuals may contribute at anytime
  • There is a maximum contribution per year and also the ability to make catch-up contributions
  • This IRA is not taxed and earnings grow tax free
  • Contributions are not tax deductible




Coverdell ESA (Education IRA)

  • Distribution qualifications are for educational expenses
  • Annual contributions per designated beneficiary are limited
  • Earnings grow tax free
  • Any amount in excess, after the educational fees are paid, is taxed as earned income
  • Contributions are not tax deductible

You may wish to consult a tax advisor for further information.