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IRAs


Security for your future and safety for your funds



IRA Certificates

Choose
From
Minimum to Open  
What It Offers

1- and 2-Year Fixed-Rate Accumulator IRAs Add-on, bump-up options

$100
  • $50 minimum monthly add-on option
  • Maximum of 26 add-ons per year
  • May bump up rate one time per term

1- and 2-Year Variable-Rate Accumulator IRAs Add-on option

$100
  • $50 minimum monthly add-on option
  • Maximum of 26 add-ons per year

18-Month and 5-Year Fixed-Rate

$500
  • Fixed rate for term of certificate

All Harborstone IRA Certificates offer you:
  • 10-day grace period
  • Free 24-hour Online Banking access for inquiries
  • 24-hour access to account with Money Express telephone banking

IRA Savings


A great way to start a tax-deferred savings program for a more comfortable retirement
How It Fits Your Needs  
What It Offers
A unique tax-deferred savings tool to help you accumulate money for your retirement
  • $100 minimum opening deposit
  • $5,000 maximum contribution per year; individuals 50 and over can contribute an additional $1,000 annually
  • Free Money Express telephone banking and Online Banking access

VIEW CURRENT RATES

OPEN AN IRA SAVINGS OR IRA CERTIFICATE ONLINE OR BY PHONE:


Just check IRA Savings and/or IRA Certificates on the Product/Service E-Mail Request Form and submit it to us. Or call member service at (253) 584-2260 or 1-800-523-3641.

Questions on IRAs? Click on any of the links below to find out more about IRAs.
http://www.irs.gov

http://www.investopedia.com/terms/i/ira.asp
http://www.aarp.org/money/financial_planning/sessionseven/individual_retirement_accounts.html
http://www.fool.com/ira/ira.htm

All IRA savings and IRA certificate dividends are calculated daily and paid monthly on the average daily account balance. Maximum add-on deposits to Harborstone IRA certificates may not exceed $10,000 per certificate term.

Your Funds Are Insured


Your combined money market, certificate, savings, and checking accounts are federally insured to $100,000 by the National Credit Union Administration (NCUA), a U.S. government agency. Individual Retirement Accounts are federally insured to an additional $250,000 by the NCUA.

 
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