Specialty Accounts

ImageCertificate Accounts, Money Markets & IRA

Current Rates



Personal Certificate Account (CD)

We have multiple options that allow you to earn higher dividends on your money. Our Certificate Accounts start at only $500.


  • Savers Certificate Accounts available to save toward minimum Certificate Account balance ($100 minimum deposit)
  • $500 minimum balance
  • Earn higher dividends based on balance and term of certificate
  • Dividends are compounded monthly, paid monthly
  • Penalty for early withdrawal


Money Market Account (MMA)


Earn extra interest on your savings account balance, while still having access to your funds.

  • Low minimum to open
  • Earn dividends higher than our Share Savings Accounts
  • Tiered levels of deposits to earn higher rates
  • Minimum $100 withdrawal
  • Write 3 checks and up to 6 transfers a month
  • Unlimited branch transactions
  • NCUA insured up to $250,000


Individual Retirement Account (IRA)

IRAs are savings accounts with big tax breaks, usually for retirement saving. IRAs can include a variety of assets – bonds, mutual funds, stocks, etc.


Traditional IRA

  • Contribution limits exist
  • Eligibility Requirements
    •        Earned Income
    •         Age (under 70 ½)
  • Possible Tax Deduction
  • Earnings are always taxed
  • Required Minimum Distribution (RMD) required at 70 ½
  • Contributions are pre-tax, with taxes paid when you withdraw the money


Roth IRA

  • Eligibility Requirements
    •         Earned Income
    •         Income Limits (MAGI)
  • Contributions are made after taxes
  • No age limit for contributions
  • Tax-deferred earnings
  • Qualified distributions are tax-free and penalty-free
  • Since Taxes are paid up front there are no taxes later


Simplified Employee Pension (SEP IRA): For the self-employed & small business owners

  • For self-employed and small business owners 
  • SEP IRAs have much higher contribution limits contribution limits
  • SEP IRA owners 70½ or older who still earn income may continue to make contributions 
  • Must take RMD at age 70½


Coverdell Educational IRA: For college tuition 

Find out more from the IRS