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 IRA Share & Term Share Certificates Individual Retirement Accounts (IRAs) are a great way to save for retirement or to transfer retirement funds from another plan or employer. IRA accounts are available in Traditional, Roth, and Education options. The share option is a liquid, variable rate account with no minimum balance that pays competitive dividends . The term share certificate option is available in maturities for 6 months to 36 months and earns competitive fixed rate dividends. There is an annual service charge for IRA accounts.
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