IRAs

IRA savings accounts may be opened at any time with a deposit of $10 or more. Funds can also be invested in IRA certificates starting at $500, and earn the same favorable rates and terms as our regular share certificate accounts.

Coverdell Education Savings Accounts (ESA)

A Coverdell ESA can help you save for a child's education expenses including tuition & fees, books, tutoring, supplies, technology, equipment, internet access, related services, uniforms, transportation, supplementary items, room & board (limits apply). They may be used for elementary, secondary and higher education expenses (public & private schools).

With an ESA you make nondeductible contributions that provide the potential for tax-free withdrawals - including earnings - down the road*. 

Who Can Contribute to an ESA? Anyone can contribute to a child's ESA; family & non-family alike, as long as the contributor's modified adjusted gross income (MAGI) falls below or within the applicable income limits*. 

* This is not intended as tax advice. Please consult your tax professional to determine your eligibility.