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Investment Center

IRA & CD Investments

Let us help you set up the investment that is safe and FDIC secured.


Certificates of Deposit

  • Terms available from 6 months to 60 months
  • Competitive interest rates
  • Several interest payment options
  • Minimum of $1000 


Dreambuilder CD

  • 30 month term
  • Minimum $100 deoposit to open
  • Additional deposits of $25 or more allowed during term
  • Interest rates and annual percentage yield may change semi-annually.


 Advantage Rate

  • 24 month term
  • Minimum $1000 deposit to open
  • Allows you to choose a new, advertised rate of return one time during the term 


Traditional IRA

  • Provides opportunity for tax-deductible contributions with tax-deferred earnings.

Roth Ira

  • Provides opportunity for tax-free retirement earnings. Contributions are allowed after age 70 if the person has W-2 income.

Simple IRA

Provides the small business owner a retirement plan where employees (including the employer) can make pre-tax contributions and receive matching employer contributions. Employee's salary deferrals, employer's contributions, and any investment earnings are not taxed until the employee takes distributions. The employer must not maintain any other retirement plan to which contributions were made or benefits accrued for service in the year the SIMPLE is to become effective.


Provides small businesses or self-employed person to establish a retirement plan for themselves and all their employees who meet the qualifications. SEP IRA's are much less expensive and easier to establish and maintain for the employer than a Qualified Plan because the employee maintains and controls his/her SEP. The employer's contributions are tax-deductible. SEP IRA's allow larger contributions than Traditional or Roth. Employer cannot maintain a SEP if he already maintains a Qualified Plan or has ever maintained a Qualified Defined Benefit Plan.

Educational IRA

  • A non-deductible account that features tax-free withdrawals for a very specific purpose - a child's education expenses.
  • Eligibility is determined by your modified adjusted gross income (MAGI).
  • You, or others, can contribute up to $2,000 a year per child.
    • A child is defined as a person who is under the age of 18.



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