Personal IRAs

Take control of your financial future with the individual retirement account that fits your long-term goals.

Set yourself up for retirement with the right IRA for your situation

Choose the right IRA for you

The options you need to save for tomorrow—and reduce your taxes today.

Traditional IRAs

Benefits

Tax-deferred saving

Fixed rates

Variety of terms available

Take charge

Supplement an employer-sponsored plan; if you don’t have one, take charge of your own retirement savings.

Tax-deferred savings

Consult your tax
advisor for possible
tax benefits.


Additional benefits

If you’re eligible to deduct your IRA contributions now—and expect to be in lower tax bracket when you’re ready to cash out the IRA—this is a great option.

Rollover IRAs

Benefits

Penalty-free rollovers

Tax-deferred saving

All your funds in one place

Roll over funds

You can roll over funds from any other retirement accounts you have—like a 401(k) or pension—to keep all your retirement savings in one place.

Penalty-free

Ensure all your retirement investments remain tax-deferred and penalty-free.


One convenient place

When you’re ready to take money out of your retirement savings, it’s all in one convenient place.


Roth IRAs

Benefits

Withdraw principal anytime

Tax-free interest accrual

Variety of rate & term options

No penalties

A flexible way to save for retirement without locking up your funds long-term. Make withdrawals of your contributions anytime with no penalties.

Tax-free

The interest your Roth IRA earns is tax-free after the age of 59 and a half—and tax-free distributions can be passed to beneficiaries.

Additional benefits

First-time homebuyers can use up to $10,000 toward their down payment without taxes or penalties.


SEP IRAs

Benefits

Simple to set up

Tax-deductible

Ideal for business owners

Smart and easy

A smart and easy way for business owners to save for retirement—and offer employees retirement benefits too.

Tax-deductible

Your contributions are tax-deductible—up to 25% of annual compensation—reducing your tax burden now.

Additional benefits

Offer employees retirement benefits without incurring the cost and hassle of overseeing and managing assets.

We’re here to help plan your future

Whether retirement’s right around the corner or on the distant horizon, let our friendly staff help you plan a bright future—get in touch today.

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Effective July 1, 2020 our Funds Availability policy will be changing.  Learn More