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IRA Retirement Accounts

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Explore our IRA Retirement Accounts to secure your financial future with tax-advantaged savings and competitive yields.

IRAS

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IRA Savings – We offer Traditional, Roth, and Coverdell Educational:

IRA Share
Coverdell Educational Savings
IRA Certificates

We offer 1-, 2-, and 3-year Traditional, Roth IRA, and Coverdell Educational Certificates:

  • $1000 minimum deposit.
  • Dividends are compounded daily and posted monthly.
  • Penalty for early withdrawals.
  • After the certificate is opened, the dividend rate is fixed for the term.

Individual Retirement Accounts

Individual Retirement Accounts APY (Annual Percentage Yield) APY Peoples Preferred Club
6-month IRA Certificate
2.53% 2.63%
1-year IRA Certificate 3.15% 3.25%
18 months IRA Certificate 3.30% 3.41%
2-year IRA Certificate 3.30% 3.41%
3-year IRA Certificate 3.05% 3.15%
IRA* 0.75% NA
Coverdell Educational Savings* 0.75% NA

Rates are subject to change.

*The prospective rate quoted is compounded daily – paid monthly

**The prospective rate quoted is compounded daily – paid annually

***$5,000.00 minimum opening balance. The prospective rate quoted is the average daily balance – paid monthly

****$1,000.00 minimum deposit – compounded daily – paid monthly

Jumbo IRA Certificates

Jumbo IRA Certificates APY (Annual Percentage Yield) APY Peoples Preferred Club
$100,000.00 - $149,999.99
1 Year 3.30% 3.41%
2 Years 3.41% 3.51%
3 Years 3.20% 3.30%
$150,000.00 - $199,999.99
1 Year 3.35% 3.46%
2 Years 3.51% 3.61%
3 Years 3.25% 3.36%
$200,000.00 and over
1 Year 3.41% 3.51%
2 Years 3.56% 3.67%
3 Years 3.30% 3.41%
Compounded Daily – Paid Monthly.
Penalty may be imposed for early certificate withdrawal

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