Traditional IRA - We offer a Traditional IRA to anyone under the age of 70½ who has income from compensation (or who is filing jointly with a spouse who earns compensation).

ROTH IRA 
We offer a ROTH IRA to anyone who has income from compensation (or who is filing jointly with a spouse who earns compensation) with the following Modified Adjusted Gross Income: 

• Single – Up to $95,000
• Married, Filing Jointly – Up to $150,000

Coverdell Education Savings Account - We offer Education Savings Accounts for Members who desire to help pay education expenses for a particular child under the age of 18.

IRA Term Share Certificates - We offer Term Share Certificates for both Traditional and Roth IRA's.

12 Month IRA Certificate
24 Month IRA Certificate
36 Month IRA Certificate

There are no penalties for required RMD's on Term Share Certificates.  There are penalties for early withdrawals other than what is approved by IRS.  Certain IRS penalties may also apply.