Individual Retirement Accounts (IRAs)

Our IRAs are a low-risk investment with a fixed rate of return.

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 Short Term
Long Term
Jumbo
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Best if you need:
A low-risk investment with a fixed rate of return
A low-risk investment with a fixed rate of return A low-risk investment with a fixed rate of return
Minimum to open
$100
 $100
 $100,000
Earns interest
Yes
Yes
Yes
Monthly service charge N/A
N/A
N/A
TBTmyWay
(online banking)
 No fee
No fee No fee
Additional benefits
Consult a tax advisor about possible tax advantages
Consult a tax advisor about possible tax advantages
Consult a tax advisor about possible tax advantages
TBT VISA® checkcard N/A
N/A
N/A
Transactions
N/A
N/A
N/A
Interest penalties for early withdrawal
CDs for one year or less carry a 30-day interest penalty, if drawn prior to maturity
CDs over one year carry a 90-day interest penalty, if drawn prior to maturity
CDs for one year or less carry a 30-day interest penalty, if drawn prior to maturity

CDs over one year carry a 90-day interest penalty, if drawn prior to maturity
Available maturities
90 days to one year
Auto renewable at maturity
Over one year to five years
Auto renewable at maturity
90 days to five years
Auto renewable at maturity
Rate details* Fixed Rate of Interest

Interest compounded daily and credited quarterly

 Fixed Rate of Interest

Interest compounded daily and credited quarterly
Fixed Rate of Interest

Interest compounded daily and credited quarterly
FDIC insured
Yes
Yes
Yes

*Contact your TBT branch for rate information.