Personal Banking Services

Personalized assistance, online convenience and flexible services make it easier than ever to make smart financial decisions.

Retirement Accountsretirement-accounts-icon

Still working, but have your eye on the future? Plan for retirement while reducing your tax burden with our Retirement Accounts.


We help you keep your long-term goals within reach by offering competitive rates and the maximum federal deposit insurance coverage (FDIC) with both Traditional and Roth Individual Retirement Arrangement (IRA) Accounts.

Traditional IRA

  • No maintenance fee
  • Required minimum varies according to term and interest rate desired
  • Contributions (deposits) may be deductible for the tax year in which they were made
  • Interest is compounded daily for the term
  • Account funds are reported as income when withdrawn
  • Possible to contribute to an account for a non-working spouse
  • Distributions are permitted after age 59-1/2, and a minimum distribution is required at age 70-1/2
  • Any distribution prior to age 59-1/2 is subject to substantial penalty for early withdrawal and may be subject to an additional 10% Internal Revenue Service penalty
  • Insured up to $250,000 by the Federal Deposit Insurance Corporation

Roth IRA

  • No maintenance fee
  • Required minimum varies according to term and interest rate desired
  • Contributions (deposits) are not tax deductible and not reported as income when withdrawn
  • Interest is compounded daily for terms of 18 months; interest is compounded annually for terms of 19 through 60 months
  • No minimum distribution amount is required at age 70-1/2
  • Distribution prior to age 59-1/2 is subject to substantial penalty for early withdrawal and may be subject to 10% Internal Revenue Service penalty
  • Qualified distributions including earned interest are tax free
  • Insured up to $250,000 by the Federal Deposit Insurance Corporation

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Interested in Opening an Account?

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