Just having an Individual Retirement Account will remind you to set aside retirement funds each year. Your annual contribution may be tax-deductible, and you earn tax-deferred interest on all your deposits.

• Minimum deposit $500.00

• Interest rate subject to market rate

• Interest compounding with an annual statement

• Other options: Roth IRAs, Self-Directed IRAs (See Trust Services) or Annuities and Mutual Funds (See Investment Services)

The above account is FDIC insured. Interest is calculated on a 365-day base, and all are subject to a penalty for early withdrawal.

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