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Let us help you spend your golden years where you want to be — not stuck on the clock to make ends meet.

Key Features

  • Competitive Dividends
  • No Setup or Monthly Fees
  • Tax Advantages1
  • Tax-advantaged1 retirement savings
  • Competitive dividends above standard savings rates
  • Traditional and Roth IRA options
  • No setup fees
  • No monthly or annual maintenance fees
  • $5,500 contribution limit per year
  • Additional $1,000 "catch-up" contribution allowed for ages 50+

Traditional and Roth IRAs both offer unique tax advantages to streamline your retirement saving. See a quick comparison below. Then consult a tax advisor to determine which type of IRA is right for your retirement plans.

Traditional IRA

  • No income limits to open
  • No minimum contribution requirement
  • Contributions are tax deductible on state and federal income tax1
  • Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
  • Withdrawals can begin at age 59½
  • Early withdrawals subject to penalty2
  • Mandatory withdrawals at age 70½

Roth IRA

  • Income limits to be eligible to open Roth IRA
  • Contributions are NOT tax deductible
  • Earnings are 100% tax free at withdrawal1
  • Principal contributions can be withdrawn without penalty1
  • Withdrawals on interest can begin at age 59½
  • Early withdrawals on interest subject to penalty2
  • No mandatory distribution age
  • No age limit on making contributions as long as you have earned income

1Subject to some minimal conditions. Consult a tax advisor.

2Certain exceptions apply, such as healthcare, purchasing first home, etc.

Give your child an education to get ahead, not payments that put them behind. A Coverdell ESA lets you save for the costs of higher education while earning competitive dividends. Tuition, room, board, and books can add up in a hurry. Plan for your young one's tomorrow, today.

  • No setup or annual fee
  • Dividends grow tax-free
  • Withdrawals are tax-free when used for qualified education expenses1
  • Designated beneficiary must be under 18 when contributions are made
  • To contribute to an ESA, certain income limits apply2
  • Contributions are not tax deductible
  • $2,000 maximum annual contribution per child
  • NCUA insured

1Qualified expenses include tuition and fees, books, supplies, board, etc. 

2Consult a tax advisor.

1Consult a tax advisor.