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Personal Banking

Variable Rate IRA

  • $500 minimum to open account
  • Earns Interest
  • No penalty if maturity is reached
  • Unlimited deposits up to the maximum allowed contribution
  • Account matures every 24 months and in most cases automatically renews

View Interest Rates

Balance Rate APY*
Under $5,000  0.73  0.73
$5,000 – $20,000  0.73  0.73
$20,000 & over  0.73  0.73
Variable IRA rate is based on the most recent auction yield of the 2 Year U.S. Treasury Note, adjusted quarterly on the first calendar day of the quarter (index). All IRAs may be subject to fees which would reduce earnings.
* Annual Percentage Yield (APY).

View Penalties

  • Early withdrawal is subject to a bank penalty and in some cases, an IRS penalty