Smart Stable Investments.
Picture this: you’ve aced the first act of your financial life. Now, you’re ready to rewrite the script for the second half. Encore! We’re here to help you orchestrate an amazing financial performance in your retirement years.
Whether you’re planning a world tour of adventure or a symphony of leisure, we offer Certificates of Deposit (CDs) and IRAs to help grow and secure your hard-earned savings. So, grab your metaphorical microphone, step onto the center stage of your financial future, and let’s create a grand finale worth celebrating!
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Certificate of Deposit
Our Certificates of Deposit (CDs) offer a secure haven for your savings. Enjoy guaranteed returns and watch your money grow with dependable interest rates. It’s the perfect way to lock in your financial future and plan for a worry-free tomorrow.
- Terms vary from 6 months to 5 years
- Earned dividends can be transferred to savings or checking or added to the certificate balance
- Minimum balance is $500
real talk.
“We’re confident with their staff.”
Retire on your terms.
Individual Retirement Accounts (IRA)
Imagine a retirement where you call the shots. No more financial constraints, just the freedom to pursue your passions and live life to the fullest. Our IRA is your key to unlocking this dream. Today is the day to take control of your financial future and invest in a retirement filled with possibilities!
- Tax-savvy savings
- Traditional, Roth or Coverdell Education, depending upon your needs
- Catch-up contributions allowed for 50+
real talk.
“We’ve been with Altana since 2004 and couldn’t be more pleased.”
Planning? We’ve got a calculator for that.
Which is better for me, a Traditional IRA or a Roth IRA?
Traditional IRAs offer tax-deferred earnings and tax-deductible contributions. Roth IRAs offer tax-free earnings, but contributions are not deductible.
How much will my Traditional IRA be worth at retirement?
Use this calculator to compute the amount you can save in a tax-deferred Traditional IRA.
How much will my Roth IRA be worth at retirement?
Compute the amount you can save in a Roth IRA where you pay taxes on your income now, but withdraw the funds tax-free in retirement.
How long will my retirement savings last?
Find out how long you can make recurring withdrawals of a specified amount from your savings account.
What rate of return will support my retirement?
Find what rate of return is needed to make recurring withdrawals of a specified amount from an account.
What savings amount do I need to fund my retirement?
Determine the total savings account balance needed to make recurring withdrawals of a specified amount.
How much can I spend each month in retirement?
Compute how much you will be able to regularly withdraw from your savings account before you run out.
Investment Resource (FAQ)
What is a Certificate of Deposit (CD)?
A certificate is a type of savings account that offers a fixed interest rate for a specific term. In exchange for locking in your money for a set period, you typically earn a higher interest rate than a traditional savings account.
How is interest calculated on a Certificate?
Interest on a Certificate is calculated based on the principal amount, interest rate, and term length. It is usually compounded periodically and credited to the account at maturity or at regular intervals.
What are the early withdrawal penalties for Certificate?
If you withdraw your money from a Certificate before the maturity date, you will face a penalty. This penalty varies depending on the financial institution and the specific Certificate terms.
What’s the difference between a Traditional IRA and a Roth IRA?
Traditional IRAs allow tax deductible contributions and Roth IRAs allow tax-free withdrawals.
Are my savings insured?
Yes, your savings accounts are insured up to $250,000 and IRA accounts are insured an additional $250,000, depending on account ownership, by the National Credit Union Administration (NCUA), an agency of the federal government.
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