We offer a variety of IRA programs to best meet your retirement plan needs.

The rules of eligibility for making IRA contributions are different for each product and the amount you may contribute to each IRA may vary. Whether it is a Traditional, Roth, SEP, Simple or Education IRA, we'll help you choose the plan that is right for you.

Traditional

Contributions to a Traditional IRA are tax deductible for many people — in full if you or your spouse do not participate in an employer plan. If either you or your spouse is covered under an employer plan then a portion of your contribution may still be deductible, depending upon your income. But regardless of your income, all earnings are tax deferred until distributions begin.

Roth

Contributions to a Roth IRA are not tax deductible, but all qualified distributions of principal and interest earned are tax-free.

Educational

An Education IRA allows you to make annual non-tax deductible contributions for as much as $500.00 for any child under the age of 18. Tax-free distributions of principal and/or interest are allowed for educational purposes.

IRA Savings

Variable interest rate

Open the account with $10

Perfect opportunity to save for the future in small amounts

Certificate of Deposit IRA

Premium interest rates

Terms from 6 months to 5 years

Automatic annual disbursement available

ALL DEPOSITS ARE INSURED IN FULL!

For more information on any of our Individual Retirement Accounts, please call our Ultimate Service Center at 617-268-8880.