The traditional IRA is an account which allows you to defer taxes on your earnings until they are withdrawn. Also, certain contributions are tax deductible in the tax year for which they are made.
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Rate Information
Your interest rate and annual percentage yield may change.

Frequency of rate changes
We may change the interest rate on your account every quarter.

Determination of rate
At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency
Interest will be compounded every day. Interest will be credited to your account every quarter.

Effect of closing an account
If you close your account before interest is credited, you will not receive the accrued interest.

Daily balance computation method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits
Interest begins to accrue on the business day you deposit noncash items (for example, checks).

The Coverdell Education Savings Account is a nondeductible account that features tax-free withdrawals for a very specific purpose – a child’s education expenses.

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The Roth IRA is a nondeductible account that features tax-free withdrawals for certain distribution reasons after a five year holding period. Since Roth IRA contributions are nondeductible and taxed in the year they are earned, people who expect to be in a higher tax bracket when they retire may benefit more from these accounts than from a traditional IRA.

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A Health Savings Account is a tax-exempt trust or custodial account established exclusively for the purpose of paying or reimbursing qualified medical expenses of you, your spouse, and your dependents.

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