IRA Share Account
An open ended account (no maturity) that allows additions at any time.  Dividends accrue daily and are posted monthly.

IRA Add-On Certificates of Deposit
Receive a better return than the IRA Share Account. Requires a minimum deposit of $100. Dividends are accrued daily and paid monthly.  Deposits can be made at any time with no restrictions.  Withdrawals may be subject to a withdrawal penalty. Choose terms of 6, 12, and 18 months.

IRA Certificates of Deposit
These receive the best return for your investment. Requires a minimum balance of $1000.....great for rollovers! Dividends are accrued daily and paid monthly. Deposits are allowed only when the certificate matures, within the seven day grace period. Withdrawals may be subject to a withdrawal penalty. Choose terms of 6, 12, and 24 months.

The withdrawal penalty is waived if the owner is 59 1/2 or taking periodic payments.

Roth IRA
The same investment options are available for Roth IRA's.