Let us help you spend your golden years where you want to be — not stuck on the clock to make ends meet.
- 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.
- 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
- 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- Principal contributions can be withdrawn without penalty1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.