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Choose Traditional or Roth

When selecting your IRA account, you can choose between a Traditional or Roth IRA (an additional comparison chart is located below).

IRA Certificate of Deposit (CD)

$500 minimum deposit.

FDIC insured up to $250,000.

Your interest will compound daily.

Our Rates

Our Rates
TERMS Rate APY*,1
6 Month 1.45% 1.44%
12 Month 1.50% 1.49 %
24 Month 1.70% 1.69%
36 Month 1.75% 1.74%
48 Month 1.80% 1.78%
60 Month 1.80% 1.78%

Compare a Traditional IRA Account to a Roth IRA Account

traditional ira

A Traditional IRA may make sense for you if:

  • You are eligible for a Traditional IRA deduction

  • You are not eligible to contribute to a Roth IRA

  • You anticipate a HIGHER tax rate while saving

  • You anticipate a LOWER tax rate during retirement

  • You are not concerned about tax implications

  • You plan to withdraw at least the required minimum distribution amounts during retirement

roth ira

A Roth IRA may make sense for you if:

  • You are not eligible for a Traditional IRA deduction

  • You are not eligible to contribute to traditional IRA due to age limit

  • You anticipate a LOWER tax rate while saving

  • You anticipate a HIGHER tax rate during retirement

  • You are concerned with tax implications to beneficiaries