Retirement & Investment Accounts

Start early and contribute regularly.

The sooner you start saving for retirement, the more time your money has the potential to grow. But even if you didn't start early, it pays to start now.

Pay yourself first. This technique sets aside retirement funds before you have a chance to spend them. Whenever you can, set up regular automatic withdrawals from your payroll, your checking or savings account, or both. That way you'll be saving regularly, so it's convenient and you won't "forget" and spend it elsewhere.

Learn more about the Momentum/Option Plus IRA that gives you the option of changing the rate during the term of the investment!

Compare our Retirement & Investments accounts below and start building your nest egg right now! Contact one of our Branches for information on current interest rates.

The Retirement & Investments Accounts have the following features: Free Personal eBanking, eStatements, Mobile Banking, eAlerts, and they are FDIC Insured.


	Fixed Rate CD	Momentum/Option Plus CD	Momentum/Option Plus IRA	Fixed Rate IRA	Time Deposit Open Account IRA
Minimum Balance	$500	$500	$50	$50	$50
Unlimited Deposits		X - min. $50 ea	X - min. $50 ea		X
1 to 60 month terms available	X	18,26,60 ^1,2	18,26,60 ^1,2	X
Competitive Rates	X	X	X	X	X
Additions permitted at maturity	X			X
Automatically Renewable	X ^1,2			X
Interest Rate Protection		X	X
One Rate Adj. with 18 & 36 mo. terms		X	X
Two Rate Adj. with 60 mo. term.		X	X
Interest Compounded Daily	X	X	X	X	X
Interest Withdrawal without penalty	X	X
Earn Higher Rates based on balance				X

1. An early withdrawal penalty may apply.
2. You will have 10 business days from the maturity date to withdraw your funds without being charged a penalty.

* 18-month, fixed rate of 2.53% Annual Percentage Yield on new accounts opened through 4-16-10. Minimum deposit of $50.00 required to open. Penalty may apply for early withdrawal.

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