Basic Shares   Money Market   Christmas Club 
  IRA's   Kirby Kangaroo Club   
Share Certificates   Sharedrafts (Checking)

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Defers taxes on the earnings until withdrawn; contributions may be tax deductible.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Earnings may be tax free if the account is open for 5 tax years & withdrawn for a qualified reason.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.