Individual Retirement Account Chart
If Your Test Score Is…

Under 14 Points:

An IRA may not be right for you at this time. Speak to one of our representatives for more information.

14 Points or More:

If your age is 21 to 35:

Now is the ideal time to open an IRA. If you invest $2000 a year at 6% or more, you could have $300,000 or more at age 65.

If your age is 36 to 45:

You’re in your peak earning years. Start an IRA today. Don’t delay.

If your age is 46 to 64:

If you haven’t opened an IRA by now, you should do so immediately.

If your age is 65 or more:

If you’re retired, it’s too late to open an IRA. But if you’re still working, you have until age 70-1/2 to continue investing for a more secure future.


This chart is for your information only. Be sure to consult a customer service representative before opening an Individual Retirement Account. ©2014 The Forms Group, All Rights Reserved

Certificates of Deposit RatesIcon For: Rates

Term Rate APY*
91 Days .75% .75%
182 Day .90% .90%
12 MonthS 1.05% 1.05%
18 Months 1.05% 1.05%
24 Months 1.20% 1.20%
30 Months 1.20% 1.20%
36 Months 1.56% 1.56%
60 Months 1.76% 1.76%
Learn More

*Annual Percentage Yield is accurate as of 11/15/18 and is subject to change without notice. A minimum deposit is required for all accounts. A minimum balance is required to obtain the APY. A penalty will be imposed for early withdrawal / Fees could reduce earnings.