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CDs & IRAs

Certificate of Deposit (COD)

Set aside your funds for future savings goals.
Fixed rates
Choose your terms (30 days – 60 months)
Requires $1,000 deposit to open
Early withdrawal penalty may apply:

CD Term	Penalty
30 Days - 6 Months	All interest on the amount withdrawn
12 Months	180 days interest on the amount withdrawn
24 - 36 Months	365 days interest on the amount withdrawn
48 - 60 Months	730 days interest on the amount withdrawn

We will charge the penalty first against any interest in the account, and any excess will be deducted from the amount withdrawn.
Fees may reduce earnings on accounts.

View CD Rates

Individual Retirement Account (IRA)

Traditional & Roth IRAs

Product	Traditional IRA	Roth IRA
What’s the difference?	Contributions are tax-deductible, and earnings are taxed upon withdrawal. Withdrawals are penalty free beginning at age 59 1/2. Distributions are required to start at age 73.	Contributions are not tax-deductible, but qualified earnings are tax free upon withdrawal. Contributory withdrawals can be made at any time without incurring IRS taxes or penalties. Earnings withdrawals are also tax and penalty-free, provided certain conditions are met, such as reaching the age of 59 1/2 and fulfilling a 5-year holding period. Not required to take distributions.
Terms	12 Months 24 Months 48 Months	No term or maturity date
Benefits	Earned interest is tax-deferred. Contributions may qualify for a tax credit.	Qualified earned interest is tax free. Contributions may qualify for a tax credit.
Contribution	Eligible to contribute if you earn compensation.	Eligible to contribute if you earn compensation.

Still unsure which retirement plan is right for you? Consult with your tax advisor.

For more information, visit www.irs.gov

CDs & IRAs

Certificate of Deposit (COD)

Individual Retirement Account (IRA)

Traditional & Roth IRAs

Questions?

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