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Let us help you find a SAVING solution that works for you.

Step 2

Do you know how much you want to save?

How much do you currently have in savings?

What are you saving for?

Which applies to you?

Step 3

How much can you afford to save each month?

How much can you afford to save each month?

How much can you afford to save each month?

How much can you afford to save each month?

How much can you afford to save each month?

Recommended SAVING Solutions Find Another Solution

Option 1

Basic Savings

A basic savings account makes savings easy and money is accessible when you need it. Everyone who wants to bank here, must open a savings account with at least a $25 deposit. This establishes your membership. Your savings can be used as overdraft protection for your Altana checking account. Direct Deposit and Payroll Deduction can be used to help your savings grow. We can also set up automatic transfers. So, for instance, every two weeks $50 is transferred into your savings account automatically.

More Info »

Option 2

Wealth Builder

Wealth Builder provides the discipline to guarantee savings growth. Automatic deposits are required and you have limited access to your funds. You have no choice but to grow your savings. You begin to earn dividends right away, which makes your savings grow even faster.

More Info »

Option 3

Christmas Club

Save for holiday expenses to reduce the pressure of holiday bills. Your savings will be automatically transferred to your savings or checking account on November 1st in preparation for shopping.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Wealth Builder

Wealth Builder provides the discipline to guarantee savings growth. Automatic deposits are required and you have limited access to your funds. You have no choice but to grow your savings. You begin to earn dividends right away, which makes your savings grow even faster.

More Info »

Option 2

Christmas Club

Save for holiday expenses to reduce the pressure of holiday bills. You're savings will be automatically transferred to your checking account on November 1st in preparation for shopping.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Wealth Builder

Wealth Builder provides the discipline to guarantee savings growth. Automatic deposits are required and you have limited access to your funds. You have no choice but to grow your savings. You begin to earn dividends right away, which makes your savings grow even faster.

More Info »

Option 2

Wealth Builder Plus

Wealth Builder Plus gives savers an added boost. With an initial investment of $2,500 and required monthly automatic deposits, your savings grows quickly. This account allows access to your money, in case you need funds.

More Info »

Option 3

Christmas Club

Save for holiday expenses to reduce the pressure of holiday bills. You're savings will be automatically transferred to your checking account on November 1st in preparation for shopping.

More Info »

Savings Tips Find Another Solution

Experts agree that we should all aim to have 3-6 months of living expenses in a savings account for emergency use. By establishing a savings account to cover unexpected expenses, your budget remains intact. Here are some savings tips to get you started:

  • It's easy to postpone starting to save for a later day, but a solid plan is key to success. By following some basic guidelines, you're more likely to achieve financial security.
  • Pay yourself first- Use automated transfers to get in the habit of saving. Money will be transferred from your account without you seeing it, which makes you less likely to miss it.
  • Save 10% of your paycheck - The general rule of thumb is to save about 10% of each paycheck. If that seems too high, try 5% and work your way up to saving 10% of your earnings.
  • Know yourself - Examine your goals to determine which savings plan will work best for you. For example, if you're saving for retirement, select a plan that will fit your financial needs down the road.
  • Realize that age matters - Always take into consideration how much time you have to save for your goal. If you're young you can take advantage of more high-risk investments. If you're only a few years from retirement, you might not have the time cushion to afford to be too aggressive.
  • Benefit from compound interest - The simplest way you can invest your money it to leave it alone and let it "compound" over time. You earn interest not only on what you save, but also on the dividends generated. The earlier and more you save, the more your money will grow.
  • Use dollar-cost averaging - This is the process of routinely investing a set amount of money over time, rather than all in one lump sum. It's a convenient savings method, particularly for beginning investors. For example, each month transfer $25 or $50 directly into an investment vehicle such as a traditional IRA, Roth IRA or Wealth Builder account.
  • Use the Rule of 72 - To figure out how long it will take for your investment to double with compound interest, use this rule: Divide 72 by the interest rate you expect to receive on an investment. For example, if your investment earns 4% interest, your money will double in 18 years (72 divided by 4 is 18).

Recommended SAVING Solutions Find Another Solution

Option 1

Basic Savings

A basic savings account makes savings easy and money is accessible when you need it. Everyone who wants to bank here, must open a savings account with at least a $25 deposit. This establishes your membership. Your savings can be used as overdraft protection for your Altana checking account. Direct Deposit and Payroll Deduction can be used to help your savings grow. We can also set up automatic transfers. So, for instance, every two weeks $50 is transferred into your savings account automatically.

More Info »

Option 2

Wealth Builder

Wealth Builder provides the discipline to guarantee savings growth. Automatic deposits are required and you have limited access to your funds. You have no choice but to grow your savings. You begin to earn dividends right away, which makes your savings grow even faster.

More Info »

Option 3

Share Certificate

A Certificate of Deposit is a high-yield account with terms from six months to five years. Your funds are not accessible without a penalty. Low minimums are available. Interest rates vary according to the length of the term. Dividends earned on certificates may be transferred quarterly to your savings or checking account or added to your certificate balance.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Wealth Builder

Wealth Builder provides the discipline to guarantee savings growth. Automatic deposits are required and you have limited access to your funds. You have no choice but to grow your savings. You begin to earn dividends right away, which makes your savings grow even faster.

More Info »

Option 2

Wealth Builder Plus

Wealth Builder Plus gives savers an added boost. With an initial investment of $2,500 and required monthly automatic deposits, your savings grows quickly. This account allows access to your money, in case you need funds.

More Info »

Option 3

Share Certificate

A Certificate of Deposit is a high-yield account with terms from six months to five years. Your funds are not accessible without a penalty. Low minimums are available. Interest rates vary according to the length of the term. Dividends earned on certificates may be transferred quarterly to your savings or checking account or added to your certificate balance.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Wealth Builder

Wealth Builder provides the discipline to guarantee savings growth. Automatic deposits are required and you have limited access to your funds. You have no choice but to grow your savings. You begin to earn dividends right away, which makes your savings grow even faster.

More Info »

Option 2

Wealth Builder Plus

Wealth Builder Plus gives savers an added boost. With an initial investment of $2,500 and required monthly automatic deposits, your savings grows quickly. This account allows access to your money, in case you need funds.

More Info »

Option 3

Share Certificate

A Certificate of Deposit is a high-yield account with terms from six months to five years. Your funds are not accessible without a penalty. Low minimums are available. Interest rates vary according to the length of the term. Dividends earned on certificates may be transferred quarterly to your savings or checking account or added to your certificate balance.

More Info »

Option 4

Money Market

The liquidity of a Money Market Account means you can withdraw funds without penalties. We also offer convenient check writing on your Money Market with no charge. You can write up to three checks per month. Tiered balances allows your money to grow quickly. Your money is insured up to $250,000.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Wealth Builder Plus

Wealth Builder Plus gives savers an added boost. With an initial investment of $2,500 and required monthly automatic deposits, your savings grows quickly. This account allows access to your money, in case you need funds.

More Info »

Option 2

Share Certificate

A Certificate of Deposit is a high-yield account with terms from six months to five years. Your funds are not accessible without a penalty. Low minimums are available. Interest rates vary according to the length of the term. Dividends earned on certificates may be transferred quarterly to your savings or checking account or added to your certificate balance.

More Info »

Option 3

Money Market

The liquidity of a Money Market Account means you can withdraw funds without penalties. We also offer convenient check writing on your Money Market with no charge. You can write up to three checks per month. Tiered balances allows your money to grow quickly. Your money is insured up to $250,000.

More Info »

Option 4

Premier Money Market

A Premier Money Market offers a higher level of balance tiers and dividends. The greater your deposit, the more you earn. You do not sacrifice the liquidity of your money. Premier Money Market Accounts are for our active checking users.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Basic Savings

A basic savings account makes savings easy and money is accessible when you need it. Everyone who wants to bank here, must open a savings account with at least a $25 deposit. This establishes your membership. Your savings can be used as overdraft protection for your Altana checking account. Direct Deposit and Payroll Deduction can be used to help your savings grow. We can also set up automatic transfers. So, for instance, every two weeks $50 is transferred into your savings account automatically.

More Info »

Option 2

Wealth Builder

Wealth Builder provides the discipline to guarantee savings growth. Automatic deposits are required and you have limited access to your funds. You have no choice but to grow your savings. You begin to earn dividends right away, which makes your savings grow even faster.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Wealth Builder

Wealth Builder provides the discipline to guarantee savings growth. Automatic deposits are required and you have limited access to your funds. You have no choice but to grow your savings. You begin to earn dividends right away, which makes your savings grow even faster.

More Info »

Option 2

Wealth Builder Plus

Wealth Builder Plus gives savers an added boost. With an initial investment of $2,500 and required monthly automatic deposits, your savings grows quickly. This account allows access to your money, in case you need funds.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Wealth Builder

Wealth Builder provides the discipline to guarantee savings growth. Automatic deposits are required and you have limited access to your funds. You have no choice but to grow your savings. You begin to earn dividends right away, which makes your savings grow even faster.

More Info »

Option 2

Wealth Builder Plus

Wealth Builder Plus gives savers an added boost. With an initial investment of $2,500 and required monthly automatic deposits, your savings grows quickly. This account allows access to your money, in case you need funds.

More Info »

Option 3

Share Certificate

A Certificate of Deposit is a high-yield account with terms from six months to five years. Your funds are not accessible without a penalty. Low minimums are available. Interest rates vary according to the length of the term. Dividends earned on certificates may be transferred quarterly to your savings or checking account or added to your certificate balance.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Wealth Builder Plus

Wealth Builder Plus gives savers an added boost. With an initial investment of $2,500 and required monthly automatic deposits, your savings grows quickly. This account allows access to your money, in case you need funds.

More Info »

Option 2

Share Certificate

A Certificate of Deposit is a high-yield account with terms from six months to five years. Your funds are not accessible without a penalty. Low minimums are available. Interest rates vary according to the length of the term. Dividends earned on certificates may be transferred quarterly to your savings or checking account or added to your certificate balance.

More Info »

Option 3

Money Market

The liquidity of a Money Market Account means you can withdraw funds without penalties. We also offer convenient check writing on your Money Market with no charge. You can write up to three checks per month. Tiered balances allows your money to grow quickly. Your money is insured up to $250,000.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Roth IRA

Choose a Roth if you don't need the tax break right now. It's a more flexible investment because you can withdraw regular contributions anytime tax-free and penalty-free. Roth IRA contributions are not tax deductible, however it offers tax-free withdrawals if the account has been opened for at least five years and you are either over age 59 ½, disabled, or buying a first home or for your child's higher education expenses.

More Info »

Option 2

Wealth Builder

Wealth Builder provides the discipline to guarantee savings growth. Automatic deposits are required and you have limited access to your funds. You have no choice but to grow your savings. You begin to earn dividends right away, which makes your savings grow even faster.

More Info »

Option 3

Montana 1st Time Homebuyers Savings

Save funds for your first home purchase, free from Montana state taxes. You can save up to $3000 (if filing single) or $6,000 (if filing jointly) to buy your first home.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Roth IRA

Choose a Roth if you don't need the tax break right now. It's a more flexible investment because you can withdraw regular contributions anytime tax-free and penalty-free. Roth IRA contributions are not tax deductible, however it offers tax-free withdrawals if the account has been opened for at least five years and you are either over age 59 ½, disabled, or buying a first home or for your child's higher education expenses.

More Info »

Option 2

Wealth Builder

Wealth Builder provides the discipline to guarantee savings growth. Automatic deposits are required and you have limited access to your funds. You have no choice but to grow your savings. You begin to earn dividends right away, which makes your savings grow even faster.

More Info »

Option 3

Wealth Builder Plus

Wealth Builder Plus gives savers an added boost. With an initial investment of $2,500 and required monthly automatic deposits, your savings grows quickly. This account allows access to your money, in case you need funds.

More Info »

Option 4

Montana 1st Time Homebuyers Savings

Save funds for your first home purchase, free from Montana state taxes. You can save up to $3000 (if filing single) or $6,000 (if filing jointly) to buy your first home.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Wealth Builder Plus

Wealth Builder Plus gives savers an added boost. With an initial investment of $2,500 and required monthly automatic deposits, your savings grows quickly. This account allows access to your money, in case you need funds.

More Info »

Option 2

Roth IRA

Choose a Roth if you don't need the tax break right now. It's a more flexible investment because you can withdraw regular contributions anytime tax-free and penalty-free. Roth IRA contributions are not tax deductible, however it offers tax-free withdrawals if the account has been opened for at least five years and you are either over age 59 ½, disabled, or buying a first home or for your child's higher education expenses.

More Info »

Option 3

Traditional IRA

A Traditional IRA is a great choice for those wishing to save for retirement. Contributions may be tax deductible, eligibility is based on income, tax filing status and participation in an employer sponsored pension plan. Withdraw penalty-free for any of the following reasons: qualified higher education expenses, first time home purchase, age 59 1/2, disability, qualifying medical expenses, payment to beneficiaries upon the owner's death, payment of health insurance premiums while unemployed for 12 weeks or longer.

More Info »

Option 4

Montana 1st Time Homebuyers Savings

Save funds for your first home purchase, free from Montana state taxes. You can save up to $3000 (if filing single) or $6,000 (if filing jointly) to buy your first home.

More Info »

Option 5

Money Market

The liquidity of a Money Market Account means you can withdraw funds without penalties. We also offer convenient check writing on your Money Market with no charge. You can write up to three checks per month. Tiered balances allows your money to grow quickly. Your money is insured up to $250,000.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Basic Savings

A basic savings account makes savings easy and money is accessible when you need it. Everyone who wants to bank here, must open a savings account with at least a $25 deposit. This establishes your membership. Your savings can be used as overdraft protection for your Altana checking account. Direct Deposit and Payroll Deduction can be used to help your savings grow. We can also set up automatic transfers. So, for instance, every two weeks $50 is transferred into your savings account automatically.

More Info »

Option 2

Wealth Builder

Wealth Builder provides the discipline to guarantee savings growth. Automatic deposits are required and you have limited access to your funds. You have no choice but to grow your savings. You begin to earn dividends right away, which makes your savings grow even faster.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Wealth Builder

Wealth Builder provides the discipline to guarantee savings growth. Automatic deposits are required and you have limited access to your funds. You have no choice but to grow your savings. You begin to earn dividends right away, which makes your savings grow even faster.

More Info »

Option 2

Wealth Builder Plus

Wealth Builder Plus gives savers an added boost. With an initial investment of $2,500 and required monthly automatic deposits, your savings grows quickly. This account allows access to your money, in case you need funds.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Wealth Builder

Wealth Builder provides the discipline to guarantee savings growth. Automatic deposits are required and you have limited access to your funds. You have no choice but to grow your savings. You begin to earn dividends right away, which makes your savings grow even faster.

More Info »

Option 2

Wealth Builder Plus

Wealth Builder Plus gives savers an added boost. With an initial investment of $2,500 and required monthly automatic deposits, your savings grows quickly. This account allows access to your money, in case you need funds.

More Info »

Option 3

Share Certificate

A Certificate of Deposit is a high-yield account with terms from six months to five years. Your funds are not accessible without a penalty. Low minimums are available. Interest rates vary according to the length of the term. Dividends earned on certificates may be transferred quarterly to your savings or checking account or added to your certificate balance.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Wealth Builder Plus

Wealth Builder Plus gives savers an added boost. With an initial investment of $2,500 and required monthly automatic deposits, your savings grows quickly. This account allows access to your money, in case you need funds.

More Info »

Option 2

Money Market

The liquidity of a Money Market Account means you can withdraw funds without penalties. We also offer convenient check writing on your Money Market with no charge. You can write up to three checks per month. Tiered balances allows your money to grow quickly. Your money is insured up to $250,000.

More Info »

Option 3

Premier Money Market

A Premier Money Market offers a higher level of balance tiers and dividends. The greater your deposit, the more you earn. You do not sacrifice the liquidity of your money. Premier Money Market Accounts are for our active checking users.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Basic Savings

A basic savings account makes savings easy and money is accessible when you need it. Everyone who wants to bank here, must open a savings account with at least a $25 deposit. This establishes your membership. Your savings can be used as overdraft protection for your Altana checking account. Direct Deposit and Payroll Deduction can be used to help your savings grow. We can also set up automatic transfers. So, for instance, every two weeks $50 is transferred into your savings account automatically.

More Info »

Option 2

Wealth Builder

Wealth Builder provides the discipline to guarantee savings growth. Automatic deposits are required and you have limited access to your funds. You have no choice but to grow your savings. You begin to earn dividends right away, which makes your savings grow even faster.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Wealth Builder

Wealth Builder provides the discipline to guarantee savings growth. Automatic deposits are required and you have limited access to your funds. You have no choice but to grow your savings. You begin to earn dividends right away, which makes your savings grow even faster.

More Info »

Option 2

Wealth Builder Plus

Wealth Builder Plus gives savers an added boost. With an initial investment of $2,500 and required monthly automatic deposits, your savings grows quickly. This account allows access to your money, in case you need funds.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Wealth Builder

Wealth Builder provides the discipline to guarantee savings growth. Automatic deposits are required and you have limited access to your funds. You have no choice but to grow your savings. You begin to earn dividends right away, which makes your savings grow even faster.

More Info »

Option 2

Wealth Builder Plus

Wealth Builder Plus gives savers an added boost. With an initial investment of $2,500 and required monthly automatic deposits, your savings grows quickly. This account allows access to your money, in case you need funds.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Wealth Builder Plus

Wealth Builder Plus gives savers an added boost. With an initial investment of $2,500 and required monthly automatic deposits, your savings grows quickly. This account allows access to your money, in case you need funds.

More Info »

Option 2

Share Certificate

A Certificate of Deposit is a high-yield account with terms from six months to five years. Your funds are not accessible without a penalty. Low minimums are available. Interest rates vary according to the length of the term. Dividends earned on certificates may be transferred quarterly to your savings or checking account or added to your certificate balance.

More Info »

Option 3

Money Market

The liquidity of a Money Market Account means you can withdraw funds without penalties. We also offer convenient check writing on your Money Market with no charge. You can write up to three checks per month. Tiered balances allows your money to grow quickly. Your money is insured up to $250,000.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Cubby Savings

We make saving fun! Cubby Club is for kids from birth until their 12th birthday! It offers free gifts when the account is open with a $5 initial deposit. Kids receive their own special newsletter and can earn "cubby bucks" for every deposit made over $5. Cubby bucks can be redeemed for fun prizes. A certificate with a low $100 initial investment is available.

More Info »

Option 2

Cubby Certificate

A certificate with a low $100 initial investment that earns higher dividends. If you know you won't need access to your funds, this is a great way to watch your savings grow. Interest rates vary according to the length of the term. Dividends may be transferred quarterly to your savings or checking account or added to your certificate balance.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

FYI Savings

FYI helps young adults establish awareness of financial needs, goals for the future and dealing with credit conditions in their upcoming years. FYI is for teens ages 12-18 and offers a free gift when the account is opened. Teens receive their own newsletter, with education materials and games. FYI offers a checking account when teens are ready. You can receive a free Debit Card* and free ATM network.

More Info »

Option 2

Wealth Builder

Wealth Builder provides the discipline to guarantee savings growth. Automatic deposits are required and you have limited access to your funds. You have no choice but to grow your savings. You begin to earn dividends right away, which makes your savings grow even faster.

More Info »

Option 3

FYI Certificate

A certificate with a low $100 initial investment that earns higher dividends. If you know you won't need access to your funds, this is a great way to watch your savings grow. Interest rates vary according to the length of the term. Dividends may be transferred quarterly to your savings or checking account or added to your certificate balance.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Wealth Builder

Wealth Builder provides the discipline to guarantee savings growth. Automatic deposits are required and you have limited access to your funds. You have no choice but to grow your savings. You begin to earn dividends right away, which makes your savings grow even faster.

More Info »

Option 2

Wealth Builder Plus

Wealth Builder Plus gives savers an added boost. With an initial investment of $2,500 and required monthly automatic deposits, your savings grows quickly. This account allows access to your money, in case you need funds.

More Info »

Option 3

Share Certificate

A Certificate of Deposit is a high-yield account with terms from six months to five years. Your funds are not accessible without a penalty. Low minimums are available. Interest rates vary according to the length of the term. Dividends earned on certificates may be transferred quarterly to your savings or checking account or added to your certificate balance.

More Info »

Option 4

Coverdell Education Savings

A Coverdell education savings account offers flexibility and provides tax-free treatment for your investment earnings. You can use the money for a variety of educational expenses such as private school tuition, academic tutoring, college and graduate school tuition and more.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Wealth Builder Plus

Wealth Builder Plus gives savers an added boost. With an initial investment of $2,500 and required monthly automatic deposits, your savings grows quickly. This account allows access to your money, in case you need funds.

More Info »

Option 2

Share Certificate

A Certificate of Deposit is a high-yield account with terms from six months to five years. Your funds are not accessible without a penalty. Low minimums are available. Interest rates vary according to the length of the term. Dividends earned on certificates may be transferred quarterly to your savings or checking account or added to your certificate balance.

More Info »

Option 3

Money Market

The liquidity of a Money Market Account means you can withdraw funds without penalties. We also offer convenient check writing on your Money Market with no charge. You can write up to three checks per month. Tiered balances allows your money to grow quickly. Your money is insured up to $250,000.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Traditional IRA

A Traditional IRA is a great choice for those wishing to save for retirement. Contributions may be tax deductible, eligibility is based on income, tax filing status and participation in an employer sponsored pension plan. Withdraw penalty-free for any of the following reasons: qualified higher education expenses, first time home purchase, age 59 1/2, disability, qualifying medical expenses, payment to beneficiaries upon the owner's death, payment of health insurance premiums while unemployed for 12 weeks or longer.

More Info »

Option 2

Traditional IRA Certificate

Any qualified Traditional IRA funds are eligible for an IRA certificate. Earn interest at a higher fixed rate with terms from one to five years. Your funds are not accessible without a penalty unless used for required minimum distribution. Interest rates vary according to the length of the term.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Roth IRA

Choose a Roth if you don't need the tax break right now. It's a more flexible investment because you can withdraw regular contributions anytime tax-free and penalty-free. Roth IRA contributions are not tax deductible, however it offers tax-free withdrawals if the account has been opened for at least five years and you are either over age 59 ½, disabled, or buying a first home or for your child's higher education expenses.

More Info »

Option 2

Roth IRA Certificate

Any qualified Roth IRA funds are eligible for an IRA certificate. Earn interest at a higher fixed rate with terms from one to five years. Taxes on earnings are deferred until withdrawn or tax free for qualified Roth IRA withdrawals. Early withdrawals may be penalized. Interest rates vary according to the length of the term.

More Info »

Recommended SAVING Solutions Find Another Solution

Option 1

Wealth Builder Plus

Wealth Builder Plus gives savers an added boost. With an initial investment of $2,500 and required monthly automatic deposits, your savings grows quickly. This account allows access to your money, in case you need funds.

More Info »

Option 2

Traditional IRA Certificate

Any qualified Traditional IRA funds are eligible for an IRA certificate. Earn interest at a higher fixed rate with terms from one to five years. Your funds are not accessible without a penalty unless used for required minimum distribution. Interest rates vary according to the length of the term.

More Info »

Option 3

Traditional IRA

A Traditional IRA is a great choice for those wishing to save for retirement. Contributions may be tax deductible, eligibility is based on income, tax filing status and participation in an employer sponsored pension plan. Withdraw penalty-free for any of the following reasons: qualified higher education expenses, first time home purchase, age 59 1/2, disability, qualifying medical expenses, payment to beneficiaries upon the owner's death, payment of health insurance premiums while unemployed for 12 weeks or longer.

More Info »

Option 4

Roth IRA

Choose a Roth if you don't need the tax break right now. It's a more flexible investment because you can withdraw regular contributions anytime tax-free and penalty-free. Roth IRA contributions are not tax deductible, however it offers tax-free withdrawals if the account has been opened for at least five years and you are either over age 59 ½, disabled, or buying a first home or for your child's higher education expenses.

More Info »

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