We know how important it is to save for your retirement or your child's education. If you payroll deduct just a small amount each pay period, you can create a substantial nest egg or fund for your child's higher education.

We offer the three common IRA's:

1. Traditional IRA
   Defers taxes on the earnings until withdrawn; contributions may be tax deductible.
2. Roth IRA
   Earnings may be tax free if the account is open for 5 tax years & withdrawn for a qualified reason. Contributions are not tax deductible.
3. Education IRA
   Tax and penalty free withdrawals for qualified expense. Contributions are not tax deductible.

Investment Opportunities:

• IRA Share Account -- no minimum balance required.
• IRA Share Certificate -- 18 month term. A minimum deposit of $1000 is required to open a certificate.