IMPORTANT SECURITY REMINDER - Don't be tricked into giving a scammer your information! 
Scammers can spoof phone numbers to make calls or texts look like they are coming from us, and they may ask for information such as your online/mobile banking login information, temporary passwords, verification codes, or your 16-digit card number and PIN. PLEASE REMEMBER - WE WILL NOT CALL OR TEXT YOU AND ASK FOR THIS INFORMATION. If you think you may have provided sensitive information to a scammer, please contact us at 901.380.7400, stop by your closest banking center, or send us a message via online or mobile banking so we can assist you. If you receive a call or text and are unsure if it legitimate, please hang up/do not text back and contact us.

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Refer your friends and family and you'll both get $50 when they join!*

Individual Retirement Account (IRA)

Individual Retirement Account (IRA)

Open an accountCurrent Rates

Flexible savings options with potential tax benefits

Check out our latest IRA specials!*

CD (Certificate) and IRA Specials
Effective Date: Sunday, September 28th, 2025
NameTermMinimum to openDividend RateAnnual Percentage Yield
4 Month Certificate 4 months $5,000 4.18% 4.250%
7 Month Traditional IRA 7 months $5,000 4.26% 4.500%

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Saving for retirement? IRAs can be a great way to supplement a 401(K) or other employer-sponsored plan. We offer the following types:

Traditional IRAs

These IRAs offer the following benefits:

  • Terms from 3 to 60 months
  • Tax-deductible contributions*
  • Tax-deferred earnings*
  • Required minimum distribution after 70 1/2 

Roth IRAs

These IRAs are bit different than a Traditional IRA in that they offer you:

  • Terms from 3 to 60 months
  • Tax-free growth on earnings*
  • Tax-free withdrawals during retirement*
  • No required minimum distribution after 70 1/2

Coverdell IRAs/ESAs (Educational Savings Accounts)

These IRAs/ESAs are designed to provide you with:

  • Terms from 3 to 60 months
  • A specific way to save for college or other higher-educational related expenses
  • Tax - free and penalty-free withdrawals for qualified educational expenses*

And you can always rest assured you're getting the best rate in our market with our Guaranteed Best Rates promise. Plus, our IRAs and ESAs are federally insured up to $250,000.*

Open an accountCurrent Rates

If you'd like more information about our IRA, HSA and ESA accounts, please click on one of the links listed below:

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*Please consult your tax advisor as to your eligibility to open an IRA or ESA. Restrictions apply to the 13 month and 25 month CD and IRA specials as well as Guaranteed Best Rates. Offers are subject change or withdrawal without notice. Minimum opening deposit is $100. Please see for complete details.

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