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Investment Center

IRA & CD Investments

Certificate of Deposit

Dreambuilder CD

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


Traditional IRA

  • Provides opportunity for tax-deductible contributions with tax-deferred earnings.
  • Regular contribution eligibility includes earned income compensation and requires the individual to be younger than age 70 1/2 for the entire contribution tax year.

Roth IRA

  • Contributions are not tax deductible, but all earnings are potentially nontaxable upon distribution.
  • There is no maximum age limit to contribute to a Roth.
  • Regular contribution eligibility includes earned income compensation and MAGI (modified adjusted gross income) limits.

Simple IRA

A salary reduction plan. SIMPLE IRA contributions include voluntary employee salary deferral contributions withheld from the employee's wages and required employer contributions.


Employer-sponsored retirement plan through which an employer makes deductible contributions directly to each eligible employee's traditional IRA.  These IRA's are subject to the traditional IRA distribution rules.

Coverdell Educational Savings Account (CESA)

  • 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.


  • Offer tax deductible contributions and nontaxable distributions for qualified medical expenses.
  • An individual must have a qualifying health plan to contribute to an HSA.
  • The purpose of an HSA is to pay for qualified medical expenses of the owner and his/her family.


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