Individual Retirement Accounts

No matter what life stage you're in, we have you covered with an IRA.  We offer Coverdell Education Savings Accounts to help you save for a child's educational expenses early or Roth and Traditional IRAs to help you save for retirement.

Coverdell Education Savings Accounts-  are designed for families who are interested in saving for higher education expenses for children under the age of 18 years old. All contributions made to a Coverdell ESA are non-deductible.

An IRA is an Individual Retirement Account. It is a contract established by an individual where money is invested and interest is earned accompanied with tax advtanges.  Deposits may be tax-deductible under certain plans if the member meets regulatory requirements. IRAs can be an important part of any savings plan because they provide significant income for retirement and may offer tax benefits along the way.

Traditional and Roth IRAs are available for those looking to save for retirement. Traditional IRA contributions are usually tax deductible and taxes are paid at the time of distribution. With Roth IRAs, contributions are not tax-deductible; You contribute using after-tax dollars.  This gives members the opportunity to withdraw earnings tax-free under qualified distributions. Roth IRAs are more flexible with more opportunities for penalty-free distributions.