Individual Retirement Accounts

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Utilizing Tax Advantages for Retirement & Education


Whether you’re looking to enjoy a retirement that suits your lifestyle or set aside savings for education, our IRA and ESA accounts can help you achieve your goals. These tax-advantaged options come with no set-up fees, no monthly or annual maintenance fees, and competitive interest rates above standard savings rates.

Choose from a Traditional IRA, Roth IRA, or a Coverdell Education Savings Account.

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Smart IRA Savings

Build your future with tax‑advantaged savings, no setup fees, and strong interest rates.  Talk with us today and start saving for your future.

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Compare IRA & ESA Options

Explore tax‑advantaged accounts designed to help you save for retirement or education with flexible features and competitive earning potential.
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Traditional IRA

Tax‑Deferred Retirement Saving

  • No income limits
  • Tax‑deductible contributions¹
  • Earnings grow tax‑deferred
  • Withdraw at 59½
    Penalties for early withdrawal²
  • Mandatory withdrawals at 73
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Roth IRA

Tax‑Free Retirement Growth

  • Income limits apply³
  • No tax deduction
  • Tax‑free earnings¹
  • Withdraw principal anytime¹
  • Withdraw interest after 5 years and at age 59 1/22
  • No mandatory distribution age
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Coverdell ESA

Save for Education Needs

  • No setup or annual fee
  • Tax‑free earnings
  • Tax‑free qualified withdrawals⁴
  • Beneficiary under 18
  • Income limits apply⁵
  • Must withdraw by age 30⁶
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soccer mom congratulating her boys after a game
Traditional IRA

Tax‑Deferred Retirement Saving

  • No income limits
  • Tax‑deductible contributions¹
  • Earnings grow tax‑deferred
  • Withdraw at 59½
    Penalties for early withdrawal²
  • Mandatory withdrawals at 73
Get Started
Couple smiling with arms around each other
Roth IRA

Tax‑Free Retirement Growth

  • Income limits apply³
  • No tax deduction
  • Tax‑free earnings¹
  • Withdraw principal anytime¹
  • Withdraw interest after 5 years and at age 59 1/22
  • No mandatory distribution age
Get Started
young university student walking on campus dreaming
Coverdell ESA

Save for Education Needs

  • No setup or annual fee
  • Tax‑free earnings
  • Tax‑free qualified withdrawals⁴
  • Beneficiary under 18
  • Income limits apply⁵
  • Must withdraw by age 30⁶
Get Started
Banking That Fits Your Life

More Ways to Bank with Us 

Discover additional ways to save. We offer multiple ways for you to save so you can reach your goals. 
local savings account

Local Savings

A multi-purpose savings account with competitive interest rates on the entire balance.
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Certificates of Deposit (CDs)

Our CDs have guaranteed earnings at a fixed rate for the time horizon you choose.
money market account

Money Market Account

Make the most of your higher savings balance, plus you maintain easy access to your funds.
holiday club savings account

Holiday Club Savings

It’ll definitely be a blue Christmas if you forget to save! Make deposits anytime and no minimum balance requirements.
Shield with plus icon

Health Savings Account

Save for healthcare costs with tax advantages.
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Kids Club Savings

It’s never too early to teach them the importance of saving. Available to kids and teens through age 17 with no monthly service fee.
local savings account

Local Savings

A multi-purpose savings account with competitive interest rates on the entire balance.
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Certificates of Deposit (CDs)

Our CDs have guaranteed earnings at a fixed rate for the time horizon you choose.
money market account

Money Market Account

Make the most of your higher savings balance, plus you maintain easy access to your funds.
holiday club savings account

Holiday Club Savings

It’ll definitely be a blue Christmas if you forget to save! Make deposits anytime and no minimum balance requirements.
Shield with plus icon

Health Savings Account

Save for healthcare costs with tax advantages.
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Kids Club Savings

It’s never too early to teach them the importance of saving. Available to kids and teens through age 17 with no monthly service fee.
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Learn more about saving

Financial Literacy Is Important

Learn how to start or optimize your approach to retirement savings using our free Financial Focus tool. 

Financial Focus

Explore Other Products 

See what else we offer — from home and personal loans to mobile banking and Zelle® — to help you manage money your way.
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Money in Minutes

Zelle®

Safely send and receive money with friends, family.
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Buy, Refinance, or Invest

Home Loans

Discover mortgage and home loan options designed to make your dream home a reality.
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Anytime-Anywhere

Banking Services

Discover secure, convenient banking tools designed to fit your life.
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Flexible Funding

Personal Loans

Find the right loan for your goals with flexible options, and competitive rates.
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Money in Minutes

Zelle®

Safely send and receive money with friends, family.
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Buy, Refinance, or Invest

Home Loans

Discover mortgage and home loan options designed to make your dream home a reality.
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Anytime-Anywhere

Banking Services

Discover secure, convenient banking tools designed to fit your life.
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Flexible Funding

Personal Loans

Find the right loan for your goals with flexible options, and competitive rates.

1Subject to conditions. Consult a tax advisor.

2Certain exceptions apply. Consult a tax advisor.

3Consult a tax advisor.

4Qualified expenses include tuition and fees, books, supplies, board, etc.

5Consult your tax advisor to determine your contribution limit.

6 Earnings are subject to income tax and a 10% penalty if the funds are not used within 30 days of the beneficiary turning 30.