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Individual Retirement Accounts An Individual Retirement Account (IRA), is a personal tax-sheltered retirement savings plan. It allows most wage earners the ability to build substantial retirement funds and defer taxes on the interest earned and in some cases the contributions from year to year. We currently offer Traditional and Roth IRA Certificates of Deposit as well as the Coverdell Savings Account to fund children's education. Members should consult their tax professional to find out which IRA product best suits their needs. Retirement Calculator |