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Individual Retirement Accounts (IRAs)

Individual Retirement Accounts (IRAs)

The future is not set. You still have the power to change it. So when it comes to planning for your retirement, now's the time to get started.

Start saving now so that when you're ready to quit the rat race and start enjoying your golden years, you can afford to live the good life. We offer traditional and Roth options, each with tax advantages to help you earn.

  • Various term options
  • Funds invested in Idaho Trust CDs
  • Fixed or variable rate options
  • Traditional and Roth IRAs offered
  • Tax free or tax deferred earnings
  • Contribution limitations apply
  • No setup or annual service fees
  • Convenient automatic renewals
  • Penalty for early withdrawal
  • FDIC insured up to $250,000
Fixed vs. Variable Rate Options

Fixed Rate IRA

Get a guaranteed return for the term of your choice.

  • Funds invested in fixed rate CDs
  • Terms ranging from 1 to 3 years
  • Minimum deposit of $1,000
  • No annual fee
  • Penalty for early withdrawal

Variable Rate IRA

This option doesn't offer a fixed rate, but does allow you to contribute funds during the term.

  • Funds invested in variable rate CDs
  • 18-month term
  • Minimum deposit of $1,000
  • Contributions allowed during CD term
  • No annual fee
  • Penalty for early withdrawal