Making the right investments today can make all the difference for your future. IRA certificates available with a $1,000 minimum balance with terms of 3-60 months No early withdraw penalties for normal distributions from an IRA certificate after reaching age 59 ½ IRA Savings available for payroll deduction or direct deposit contributions with no minimum balance – subject to yearly contribution limits Insured separately from regular funds up to $500,000 Traditional IRA- Answers to Your Questions Roth IRA- Answers to Your Questions Roth IRA vs. Traditional IRA- Taking a Closer Look at Eligibility Transfers, Rollovers and Conversions