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IRA Individual retirement account

Retirement Accounts

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Traditional IRA

  • Make pre-tax or tax-deductible contributions (conditions apply)
  • Income tax applies on all withdrawals.
  • 10% federal penalty tax applies to all withdrawals before age 59½.
  • Required minimum distributions apply starting at age 73
    Contact us for details.
  • Best if you expect to be in the same or lower tax bracket when you retire.

Roth IRA

  • Make after-tax contributions.
  • No income tax applies to withdrawals.
  • No penalties on early withdrawal of contributions, but a 10% federal penalty tax applies to withdrawals of earnings before age 59½. Early CD withdrawal fees may apply. Contact us for details.
  • No required minimum distributions.
  • Best if you expect to be in a higher tax bracket when you retire.

Health Savings Accounts

If you have a high deductible health plan (HDHP), a Health Savings Account (HSA) can help you pay for certain medical expenses with pre-tax dollars. It’s a great tool for lowering your health care costs and planning for medical emergencies.

Unlike Flexible Spending Accounts, your HSA rolls over from year to year, which lets you build up funds for future expenses.

Contact your local branch to see if you qualify.


Get ready for all the great things to come with specialized savings accounts that help you reach your goals faster. Let us help you sort through your options.