Traditional IRA, Roth IRA or Educational Savings Accounts are opened as fixed rate time deposit accounts with flexible terms and market rates. In addition, visit the Retirement Services page for other retirement account investment options.

A Certificate of Deposit IRA* offers:

• Fixed rate of interest for terms from 6 months to 5 years
• Additional deposits of at least $50 may be made at any time during the term
• Earnings grow tax-deferred, until withdrawn
• Eligible individuals age 50 and older may make additional contributions in the form of catch-up contributions
• Contributions may be tax deductible

*Disclosures:

Minimum opening deposit of $1,000 is required. Fixed rates are based on term and are subject to change without notice. $250,000 FDIC coverage applies to the combined IRA accounts owned by the same person at the same bank. Penalty for early withdrawal. Fees may reduce earnings. Additional deposits made during the term do not extend the account maturity date. Eligibility to participate in and deduct contributions is subject to IRS rules. Tax advantages vary depending upon your financial situation. Consult your tax advisor for details.