This account allows those ages 72 and under to save money, tax-deferred, for retirement.

• $25 minimum deposit
• Earnings grow tax-deferred
• 100% of contributions are tax-deductible if you are not active in an employer-sponsored pension plan
• Contribute up to $7,000 per year or 100% of your earned income (whichever is less)
  • Married members filing jointly may contribute an additional $7,000 to their spouses' IRA
• Withdrawals can be made without penalty after age 59-1/2

Our Coverdell Education Savings Account (ESA) lets you help your child or family member prepare for college or any stage of education. Money saved grows tax-free and can be used for a variety of educational expenses.

• $25 minimum deposit
• Earnings grow tax-free
• Make contributions up to $2,000 per year for each child
• Transfer unused funds to a family member with no penalty
• Tax-free withdrawals for qualified expenses including tuition, fees, books, supplies and more

Our Roth IRA can be used independently or in conjunction with a Traditional IRA. Roth IRAs allow you to save money at any age and make tax-free qualified distributions.

• $25 minimum deposit
• Earnings grow tax-free
• Contributions can be made at any age with earned income
• Contributions up to $7,000 per year or 100 percent of your earned income (whichever is less)
  • Married members filing jointly may contribute up to their spouses' IRA additional $7,000 amount.
• Qualified distributions are tax and penalty free
• No required minimum distribution

Effective January 1, 2015, you may only roll over one IRA distribution in any 12-month period, regardless of how many IRAs you own.