Diverse Options
Choose from Traditional, Roth, or SEP IRAs based on your individual retirement goals and tax situation.
We offer a range of IRA options to help you grow your savings effectively and securely.
Choose from Traditional, Roth, or SEP IRAs based on your individual retirement goals and tax situation.
Earn up to 3.00% APY18 with our High Yield IRA Savings account.
Secure higher returns with fixed-rate IRA Certificates18, available in terms ranging from 6 months to 5 years.
Easily roll over your 401(k) or 403(b) from previous employers into one account, maintaining tax-deferred status.
Contributions may be tax-deductible, potentially lowering your current taxable income.15
Pay taxes on your savings only when you make withdrawals in retirement.
Contribute up to $7,000 annually, with an additional $1,000 catch-up contribution if you're 50 or older.
You may choose to withdraw as young as 59½ and are required to withdraw at age 73.
Contributions are made with after-tax dollars, and your money grows tax-free.15 Qualified withdrawals in retirement are not taxed.
Keep your money invested for as long as you like, with no mandatory distribution age.
Contribute up to $7,000 annually, with an additional $1,000 catch-up contribution if you're 50 or older.
When you reach age 59½, withdrawals from the account are not taxed as long as the contributed amount has been in the account for at least 5 years
A SEP IRA allows for flexible contributions for yourself and your employees.
Contribute up to 25% of net income or $69,000 (whichever is lesser), offering substantial tax-deductible savings.15
You may choose to withdraw as young as 59½ and are required to withdraw at age 73.
Enjoy peace of mind with great dividends. Your rates are fixed for the certificate term, regardless of market fluctuations.
Enhance your retirement plan with IRA Certificates, offering tax benefits15 and stable growth.
Choose IRA Certificates as a prudent addition to diversify your retirement portfolio.
Align your retirement goals with our range of terms, maximizing your potential earnings.
Let our CFS advisors craft a customized plan that aligns with your retirement aspirations.
Life changes, and so should your retirement plan. We'll help you stay on track, adjusting as needed.
Benefit from a no-cost retirement planning session with a CFS financial advisor, to help ensure your retirement goals are within reach.12
You can schedule a branch appointment right inside Digital Banking. We’ll be happy to sit down with you and assist you with this journey.