CD’s / IRA’s

Certificate of Deposits

Certificates of Deposit offer a relatively low-risk investment that can be converted into extra cash after it has matured. It typically offers a higher rate of interest than a regular savings account and unlike other investments all Certificates of Deposit are insured by the FDIC . For more information regarding your next investment today, please contact us!

 

91 Day or 6 Month*

  • $2,500.00 minimum deposit
  • Interest paid at maturity

12 Month – 18 Month – 24 Month – 36 Month*

  • $100.00 minimum deposit
  • Interest compounded and credited quarterly

30 Month*

  • $100.00 minimum deposit.
  • Interest compounded daily and credited quarterly

*Penalties may apply for early withdrawals

 

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Individual Retirement Accounts

Concerns regarding the stability of Social Security continue to grow, and we find ourselves looking for new ways to secure our financial future. See what we have to offer to assist you with your future financial needs.

Education Savings accounts can help you with the rising costs of education. These contributions and their subsequent earnings are tax-free when withdrawn to pay for qualified education expenses.

Traditional IRA's

Traditional IRA’s*

  • Interest earned is tax-deferred
  • Deductible contributions
  • Contribution limit $6,000.00
  • Catch up contribution $1,000.00 (must be 50 years or older)

 

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Roth IRA's

Roth IRA’s*

  • Interest earned is tax-free
  • Non-deductible contributions
  • Contribution limit $6,000.00
  • Catch up contribution $1,000.00 (must be 50 years or older)

 

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Education Savings

Education Savings Account* (ESA)

  • Interest earned is tax-free for qualified education expenses
  • Contribution limit $2,000.00 per year
  • Contributions can be made until the child reaches 18 years of age

*Income limits may apply. Penalties may be imposed for early withdrawal of funds from IRA’s.

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