Choose Traditional or Roth

We offer a traditional IRA Option as well as a Roth option for both Savings and Certificates of Deposit (CD).

IRA Savings

Interest compounded daily

FDIC Insured

$250 initial deposit

IRA Certificate of Deposit (CD)

Interest compounded daily

FDIC Insured

$1,000 initial deposit

Our Rates

Don't settle for meager interest rates. Our evolved banking model allows us to offer better rates and reduced fees for customers.

Tier Minimum Deposit Balance Requirements APY* Rate
Tier 1 $250 Less than $1,000 0.15% 0.15%
Tier 2 $250 $1000+ 0.70% 0.70%
Term APY* Rate
12 Month 0.60% 0.60%
18 Month 0.70% 0.70%
36 Month 0.75% 0.75%

Compare a Traditional IRA Account to a Roth IRA Account

TRADITIONAL IRA

A traditional IRA may make sense if you:


  • Are eligible for a Traditional IRA deduction
  • Are not eligible to contribute to a Roth IRA
  • Anticipate a HIGHER tax rate while saving
  • Anticipate a LOWER tax rate during retirement
  • Are not concerned about tax implications
  • Plan to withdraw at least the required minimum distribution amounts during retirement
ROTH IRA

A Roth IRA may make sense if you:


  • Are not eligible for a Traditional IRA deduction
  • Are not eligible to contribute to traditional IRA due to age limit
  • Anticipate a LOWER tax rate while saving
  • Anticipate a HIGHER tax rate during retirement
  • Are concerned with tax implications to beneficiaries

Ready to apply?

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