Individual Retirement Accounts (IRAs)

A Fixed Rate ("Multiple Term") IRA CD offers a guaranteed rate with FDIC security up to the maximum permitted by law. Fixed Rate IRA CDs can be a wise savings choice for individuals seeking higher returns without risk to principal.

Fixed Rate IRA CDs are available in a variety of terms ranging from 6 months to 10 years, providing the greatest flexibility for meeting your short- and long-term needs.

A Fixed Rate IRA CD provides the convenience of automatic renewal at maturity at the rate and term in effect at that time, unless you instruct otherwise.

Benefits

• FDIC insured^[1] to the maximum permitted by law
• Guaranteed rate for the term of the CD
• Wide variety of terms available to meet your needs
• Automatic renewal
• Potential tax savings
• Supports saving for retirement

Requirements

The Variable Rate IRA CD has an 18-month term with a rate that is tied to the 3-month Treasury Bill. This CD offers peace-of-mind in a rising rate environment, allowing the rate to climb as Treasury Bill rates climb.

When the CD matures it will conveniently renew as an 18-month variable rate CD.

Benefits

• FDIC insured^[1] to the maximum permitted by law
• Rate is tied to 3-month T-Bill, changes quarterly
• Potential tax savings
• Supports saving for retirement

Requirements

An IRA Money Market is a tiered variable rate savings product with no specific terms. Additional deposits can be made to the account at any time up to the maximum Contribution Limits each year.

Benefits

• Supports saving for retirement
• FDIC insured^[1] to the maximum permitted by law
• Potential tax savings

Requirements

You can apply for an IRA CD or IRA Money Market in a branch near you »

• Government issued photo ID (Driver's License, US Passport, or a state issued ID)
• Your e-mail address
• Employment information, if applicable
• Existing bank account numbers, if funding your account(s) with an on-line check
• Previous address, if at current address less than two years
• Stamped envelope to mail your signed registration page

You may also want to review our current interest rates and our Consumer Account Agreement before applying.

Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each customer that opens an account. What this means for you: when you open an account, we will ask you your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying information.