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Individual Retirement Accounts

Traditional IRAs

A smart way to save for the future. Many people choose traditional IRAs in lieu of or in addition to employer-offered 401(k) plans.

  • Can be opened without any employer participation
  • Contributions and earnings are tax-deferred until retirement

Unlike many employer plans, your money is always accessible.

Until age 59 and-a-half, there will be a 10% early distribution penalty, unless you qualify for an exemption.1


Roth IRAs

Offering a tax-deferred twist to traditional IRA saving, a Roth IRA could be right for you.

  • Your contributions are taxed, meaning your principal is never subject to taxes or penalties in the future.
  • Your money grows tax-deferred

If you do not withdraw any earnings in the first five years, or if you satisfy one of the qualifying events, then your tax-deferred earnings become tax-free!


Advantage IRA Certificates

Smart options for short-term saving.

  • Share club IRA pays a monthly dividend rate
  • Certificate terms available from six to 60 months

A minimum of $1,000 is required to set up a share certificate and $250 for an IRA club.


1 Possible exemptions include disability, qualifying education expenses, unemployment, qualifying first-home purchases, death or receipt of your IRA assets in equal payments over your life expectancy.

Corporate Office

1505 Lakes Parkway, Suite 100
Lawrenceville, GA 30043
No branch onsite.

Routing Number: 261174759

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