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Individual Retirement Accounts (IRAs)


Individual Retirement Accounts (IRAs) let you maximize your funds while providing one of the best tax-saving tools available. A variety of IRA options are available, each offering different benefits to meet your unique needs.

Traditional IRA(1)
  • Tax-deferred earnings until withdrawn
  • Eligible if under age 70-1/2 and have received taxable compensation during the year
  • Deductibility based on participation in other retirement plans, adjusted gross income and income tax filing status
  • May include rollover contributions from other qualified retirement plans and IRAs
Choose the money market option or fixed rate option as your investment vehicle.

Roth IRA(1)
  • Qualified earnings are tax-free. However, contributions are not tax-deductible
  • Eligible if modified adjusted gross income is within required limits
  • No mandatory distributions at age 70-1/2
Available with the fixed rate option as your investment vehicle.

Coverdell Educational Savings Account(1)
  • Earnings are tax-free. However, contributions are not tax-deductible
  • Funds may be contributed by anyone within income limitations
  • Contribute until the year the child turns 18 (account created for purpose of paying qualified educational expenses of a designated beneficiary under the age of 18)
Available with the fixed rate option as your investment vehicle.

Truth in Savings Disclosure for Personal Accounts

Deposit Agreement

(1) Consult your tax advisor about tax benefits and the deductibility of contributions. Visit with a personal banker regarding contribution limits.


Contact us to learn more.
We can help you select an account that makes sense for you. To learn more about Individual Retirement Accounts, contact Customer Service by e-mail or by phone.



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