Market Rate IRA Savings Account- Make contributions at any time throughout the year.
- Variable interest rate.
- Contributions may be tax deductible.
- Interest earned is tax deferred.
- $100 minimum deposit to open.
To open an IRA please visit one of our branch locations. Fixed Term IRA Certificate of Deposit - One, two, and three year terms available.
- Lock in a higher rate of interest.
- Make additional deposits at maturity.
- Contributions may be tax deductible.
- Interest earned is tax deferred.
- $1,000 minimum deposit to open.
To open an IRA please visit one of our branch locations. Plan ahead and feel secure. It's never too early to set up a retirement account. Retirement Accounts
Rates last updated as of July 2, 2009 | | Minimum Deposit to Open Minimum | Daily Balance to Earn APY | Interest Rate | Annual Percentage Yield | | 1 Year Fixed Term Retirement | $1,000 | $1,000 | 1.75% | 1.76% | | 2 Year Fixed Term Retirement | $1,000 | $1,000 | 2.00% | 2.02% | | 3 Year Fixed Term Retirement | $1,000 | $1,000 | 2.25% | 2.27% | | Market Rate IRA Savings (variable) | $100 | $100 | 0.50% | 0.50% |
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Interest is compounded quarterly and credited quarterly. Variable rates may be changed at the Bank's discretion, at any time without limitation or notice. Call 505-424-2888 for current rate information. - Substantial penalty for early withdrawal from Certificate of Deposit accounts.
- Substantial tax penalties may apply for withdrawals from Savings or Certificate of Deposit accounts before reaching the age of 59 1/2.
- Additional deposits into a Certificate of Deposit are not allowed before maturity.
- Market Rate IRA Savings account contributions may be made throughout the year ($50 minimum deposit). Fees could reduce earnings.
- Contributions may be tax deductible. Interest earned is tax deferred
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