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IRA Retirement Accounts

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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
0.45% 0.55%
1 year IRA Certificate 0.50% 0.60%
18 months IRA Certificate 0.55% 0.65%
2 year IRA Certificate 0.60% 0.70%
3 year IRA Certificate 0.65% 0.75%
IRA* 0.40% NA
Coverdell Educational Savings* 0.40% NA
*Prospective rate quoted is compounded daily – Paid Monthly.
$1,000.00 Minimum Deposit – Compounded Daily – Paid Monthly.
Penalty may be imposed for early certificate withdrawal

Jumbo IRA Certificates

Jumbo IRA Certificates APY (Annual Percentage Yield) APY Peoples Preferred Club
$100,000.00 - $149,999.99
1 Year 0.50% 0.60%
2 Years 0.60% 0.70%
3 Years 0.65% 0.75%
$150,000.00 - $199,999.99
1 Year 0.50% 0.60%
2 Years 0.60% 0.70%
3 Years 0.65% 0.75%
$200,000.00 and over
1 Year 0.55% 0.65%
2 Years 0.65% 0.75%
3 Years 0.71% 0.80%
Compounded Daily – Paid Monthly.
Penalty may be imposed for early certificate withdrawal

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