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Time Accounts | Individual Retirement Accounts | | | | | Invest in your future. The law provides that any individual who is under 70 ½ years of age and who has earned income may establish an IRA and make contributions. If you would like to open an IRA, see one of our IRA representatives to fill out the necessary forms. The deposits you make to your IRA will be subject to the provisions governing those deposits. | | | | Minimum to open is $1000. Certificates may be written for anywhere from 3 months to 5 years with interest payable monthly, quarterly or at maturity. Rates are subject to change daily. There is a penalty if funds are withdrawn before the maturity date of the certificate. Rates are available upon request. | | | |
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