Individual Retirement Accounts Individual Retirement Accounts Individual Retirement Accounts are a great savings plan for your retirement years while at the same time receiving special tax benefits. We offer Traditional, Roth, and SEP IRA's. Minimum opening deposit of $250 or $500 Allows you to save for retirement, sheltering your earnings until distribution Interest compounded quarterly No administration fee Competitive rates Substantial penalty may be imposed for early withdrawal Due to the complexity of these types of accounts, we are not offering online applications. Please contact Deposit Services to receive additional account information and disclosures. Truth in Savings Disclosure Privacy Policy