Individual Retirement Accounts (IRAs)- Traditional, Roth, SEP, fully insured

Our retirement accounts are flexible, competitively priced, offer a low minimum balance and are available for direct deposit. You can choose from certificates of deposit with 3 to 60 month terms and base savings plans with a minimum balance of $100. There is no annual fee and interest is posted to your account monthly. Certificates of deposit interest compounds monthly on terms of 12 months or more and simple interest is earned on terms less than 12 months. Interest compounds monthly on base savings accounts. You can access your account information easily with our free telephone banking service. All deposits (contributions) are governed by IRS code rules and regulations. All withdrawals (distributions and/or transfers) are subject to IRS code rules and regulations. There is a substantial penalty for withdrawal of principal prior to the maturity date. 

To contact us to open an account, click here, fill out the request form and E-mail it to us. A new account opening kit will be mailed to you in a few days. Or stop by one of our banking offices to speak to a customer service representative. We'll personally help you choose the account that's right for you. Did you know that your Fidelity Bank accounts are 100% insured? Click here for more details about depositors insurance and the security it offers.

For more information about retirement savings and other types investments, check out www.SmartMoney.com. This Web site is a great source for detailed financial information and current stock information. We hope it gives you a little edge on life's complicated financial decisions.

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