CDs & IRAs Built to Grow With Less Risk
Secure, steady-growth options designed to help you plan ahead, whether you’re saving for tomorrow or years down the road.
Steady Growth You Can Count On
CDs offer a reliable way to grow your savings over time with a fixed rate and term. A variety of term options make CDs perfect for short- or long-term goals.
- FDIC-insured
- Competitive rates, guaranteed for the full term
- No market swings or surprises
- Ideal for planned savings goals
Find a CD That Aligns With Your Goals
| Term | Minimum Deposit | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
| 3 Months | $500 | 3.84% | 3.90% |
| 6 Months | $500 | 3.84% | 3.90% |
| 1 Year | $500 | 3.45% | 3.49% |
| 18 Months | $500 | 2.97% | 3.00% |
| 2 Years | $500 | 2.72% | 2.75% |
| 3 Years | $500 | 2.58% | 2.61% |
| 4 Years | $500 | 2.48% | 2.50% |
| 5 Years | $500 | 2.38% | 2.40% |
| Minimum Deposit | $500 |
|---|---|
| Interest Rate | 3.84% |
| Annual Percentage Yield | 3.90% |
| Minimum Deposit | $500 |
|---|---|
| Interest Rate | 3.84% |
| Annual Percentage Yield | 3.90% |
| Minimum Deposit | $500 |
|---|---|
| Interest Rate | 3.45% |
| Annual Percentage Yield | 3.49% |
| Minimum Deposit | $500 |
|---|---|
| Interest Rate | 2.97% |
| Annual Percentage Yield | 3.00% |
| Minimum Deposit | $500 |
|---|---|
| Interest Rate | 2.72% |
| Annual Percentage Yield | 2.75% |
| Minimum Deposit | $500 |
|---|---|
| Interest Rate | 2.58% |
| Annual Percentage Yield | 2.61% |
| Minimum Deposit | $500 |
|---|---|
| Interest Rate | 2.48% |
| Annual Percentage Yield | 2.50% |
| Minimum Deposit | $500 |
|---|---|
| Interest Rate | 2.38% |
| Annual Percentage Yield | 2.40% |
Retire the Way You Imagined
IRAs offer tax advantages to help your retirement savings grow faster. Whether you’re starting now or planning ahead, they’re a smart way to build long-term financial security.
- FDIC-insured
- Protect your money from taxes while it grows
- Options to fit your work situation and savings goals
- You choose how much to contribute and when
Explore Your IRA Options
Traditional IRA
Save with potential tax-deductible contributions and pay taxes only when you withdraw in retirement.
Get StartedRoth IRA
Contribute after-tax dollars now and enjoy tax-free withdrawals later. Ideal if you expect higher income in retirement.
Get StartedSIMPLE IRA
An easy, low-cost way for small businesses to help employees save for retirement through matched contributions.
Get StartedSEP IRA
A retirement savings option for self-employed individuals or small business owners, funded entirely by the employer.
Get Started
Features | Traditional IRA | Roth IRA | SIMPLE IRA | SEP IRA |
|---|---|---|---|---|
| Contribution Limits | $7,000 annually ($8,000 if over 50) | $7,000 annually ($8,000 if over 50) | Employer matches up to 3% or contributes 2% | Up to 25% of employee’s compensation (employer-funded) |
| Tax Benefits | Contributions may be tax-deductible; withdrawals are taxed as income | No upfront deduction; qualified withdrawals are tax-free | Contributions are tax-deferred; withdrawals taxed as income | Employer contributions are tax-deferred; withdrawals taxed as income |
| Withdrawals | Penalty-free after age 59½; required at 73 | Penalty-free after age 59½; no required distributions | Penalty-free after age 59½; required at 73 | Penalty-free after age 59½; required at 73 |
| Ideal For | Those expecting a lower tax rate in retirement | Those expecting a higher tax rate in retirement | Small businesses wanting to offer employee retirement savings | Self-employed individuals or small business owners |
| Fees | 10% IRS penalty on early withdrawals before age 59½ (some exceptions apply) | 10% penalty on early withdrawals before age 59½, unless qualified | 10% penalty if withdrawn early; 25% if within first 2 years | 10% penalty on early withdrawals before age 59½ |
| Get Started | Get Started | Get Started | Get Started |
| Contribution Limits | $7,000 annually ($8,000 if over 50) |
|---|---|
| Tax Benefits | Contributions may be tax-deductible; withdrawals are taxed as income |
| Withdrawals | Penalty-free after age 59½; required at 73 |
| Ideal For | Those expecting a lower tax rate in retirement |
| Fees | 10% IRS penalty on early withdrawals before age 59½ (some exceptions apply) |
| Contribution Limits | $7,000 annually ($8,000 if over 50) |
|---|---|
| Tax Benefits | No upfront deduction; qualified withdrawals are tax-free |
| Withdrawals | Penalty-free after age 59½; no required distributions |
| Ideal For | Those expecting a higher tax rate in retirement |
| Fees | 10% penalty on early withdrawals before age 59½, unless qualified |
| Contribution Limits | Employer matches up to 3% or contributes 2% |
|---|---|
| Tax Benefits | Contributions are tax-deferred; withdrawals taxed as income |
| Withdrawals | Penalty-free after age 59½; required at 73 |
| Ideal For | Small businesses wanting to offer employee retirement savings |
| Fees | 10% penalty if withdrawn early; 25% if within first 2 years |
| Contribution Limits | Up to 25% of employee’s compensation (employer-funded) |
|---|---|
| Tax Benefits | Employer contributions are tax-deferred; withdrawals taxed as income |
| Withdrawals | Penalty-free after age 59½; required at 73 |
| Ideal For | Self-employed individuals or small business owners |
| Fees | 10% penalty on early withdrawals before age 59½ |
Have Questions? We’re Here to Help.
Whether you need answers, guidance, or just a friendly voice, we’re ready when you are.
Frequently Asked Questions
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Photo credit to Janie Christen, “Moving Cows”
