Setting aside funds in an IRA can help give you the retirement you deserve. Start with just a $100 deposit.
There are advantages to both traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.
There are advantages to both traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.
1Subject to some minimal conditions. Consult a tax advisor.
2Certain exceptions apply, such as healthcare, purchasing a first home, etc.
3Consult a tax advisor.
4Qualified expenses include tuition and fees, books, supplies, board, etc.
5Consult your tax advisor to determine your contribution limit.
6Those earnings are subject to income tax and a 10% penalty.
*The information on the page above is for informational purposes only and should not be construed as tax advice. Please consult with a tax advisor for questions and information regarding taxes and to determine if you would benefit from tax savings.
| Term | Minimum Balance to Earn Dividends | Dividend Rate | APY |
|---|---|---|---|
| IRA Daily Savings* | $100 | 0.10% | 0.10% |
| 6 Month** | $100 | 3.00% | 3.022% |
| 12 Month** | $100 | 4.00% | 4.00% |
| 24 Month*** | $100 | 4.00% | 4.06% |
| 36 Month*** | $100 | 3.00% | 3.034% |
| 48 Month*** | $100 | 2.75% | 2.778% |
| 60 Month*** | $100 | 2.50% | 2.524% |
| Term | Minimum Balance to Earn Dividends | APY | Dividend Rate |
|---|---|---|---|
| 6 Months at Maturity** | $1,000 | 3.022% | 3.00% |
| 12 Months at Maturity** | $1,000 | 4.000% | 4.00% |
| 24 Months Quarterly*** | $1,000 | 4.06% | 4.00% |
| 36 Months Quarterly*** | $1,000 | 3.034% | 3.00% |
| 48 Months Quarterly*** | $1,000 | 2.778% | 2.75% |
| 60 Months Quarterly*** | $1,000 | 2.524% | 2.50% |
*Dividends will be calculated on an average daily balance method and be paid on the last calendar day of each month.
**Dividends paid at maturity
***Dividends paid every ninety days from issued date until maturity
Early withdrawal penalty for Certificates 12 months or less 90 days of dividends
Early withdrawal penalty for Certificates over 12 months 180 days of dividends
MAIN OFFICE
912 South Washington
P.O. Box 9286
Moscow, ID 83843
POTLATCH BRANCH
160 6th Street
P.O. Box 264
Potlatch, ID 83855
KENDRICK BRANCH
602 Main Street
P.O. Box 274
Kendrick, ID 83537
PLUMMER BRANCH
396062 Hwy 95
P.O. Box 471
Plummer, ID 83851
Setting aside funds in an IRA can help give you the retirement you deserve. Start with just a $100 deposit.
There are advantages to both traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.
There are advantages to both traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.
1Subject to some minimal conditions. Consult a tax advisor.
2Certain exceptions apply, such as healthcare, purchasing a first home, etc.
3Consult a tax advisor.
4Qualified expenses include tuition and fees, books, supplies, board, etc.
5Consult your tax advisor to determine your contribution limit.
6Those earnings are subject to income tax and a 10% penalty.
*The information on the page above is for informational purposes only and should not be construed as tax advice. Please consult with a tax advisor for questions and information regarding taxes and to determine if you would benefit from tax savings.
| Term | Minimum Balance to Earn Dividends | Dividend Rate | APY |
|---|---|---|---|
| IRA Daily Savings* | $100 | 0.10% | 0.10% |
| 6 Month** | $100 | 3.00% | 3.022% |
| 12 Month** | $100 | 4.00% | 4.00% |
| 24 Month*** | $100 | 4.00% | 4.06% |
| 36 Month*** | $100 | 3.00% | 3.034% |
| 48 Month*** | $100 | 2.75% | 2.778% |
| 60 Month*** | $100 | 2.50% | 2.524% |
| Term | Minimum Balance to Earn Dividends | APY | Dividend Rate |
|---|---|---|---|
| 6 Months at Maturity** | $1,000 | 3.022% | 3.00% |
| 12 Months at Maturity** | $1,000 | 4.000% | 4.00% |
| 24 Months Quarterly*** | $1,000 | 4.06% | 4.00% |
| 36 Months Quarterly*** | $1,000 | 3.034% | 3.00% |
| 48 Months Quarterly*** | $1,000 | 2.778% | 2.75% |
| 60 Months Quarterly*** | $1,000 | 2.524% | 2.50% |
*Dividends will be calculated on an average daily balance method and be paid on the last calendar day of each month.
**Dividends paid at maturity
***Dividends paid every ninety days from issued date until maturity
Early withdrawal penalty for Certificates 12 months or less 90 days of dividends
Early withdrawal penalty for Certificates over 12 months 180 days of dividends
