Retirement Accounts

It's never too early to start planning. We offer a wealth of IRA and CD accounts to help you build the future you want.

Retirement Accounts

The decisions you make now will influence the life you have in years to come. We'll help you find the retirement plan that's right for you today—and tomorrow.

To learn more about retirement plan opportunities, opening an IRA, or moving your retirement assets, contact our Retirement Services Department at (413) 572-4282, e-mail us, or visit any of our convenient offices.

Personal Investors

Build a more secure future with an Individual Retirement Account. Choose from a Traditional IRA, Roth IRA, Inherited or Beneficiary IRA, or Coverdell Education Savings Account depending on your age and personal goals.

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Self Employed Investors

A SEP (Simplified Employee Pension) Plan is an easy, low-cost retirement plan that allows employers to contribute to employees' Traditional IRAs. SEP contributions provide a tax deduction to the business owner, who can contribute up to 25% of net earnings in a plan year. 

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Retirement CDs

Retirement Certificates of Deposit are a safe and secure way to save. You'll enjoy peace of mind as you earn a fixed interest rate over the course of the term.

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Add-On IRA CD

Our Add-On Retirement Certificate of Deposit allows additional contributions any time during the specific term.

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Retirement Accumulator CD

This retirement CD allows individuals to consolidate retirement funds from various sources with the flexibility to add to it during the specified term.

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Traditional IRA

Looking for an independent retirement savings vehicle with immediate tax advantages, possible tax deductions and a high degree of flexibility? Click to learn more about Traditional IRAs.

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Roth IRA

This account lets you set aside after-tax income up to a specified amount each year, with tax-free account earnings and tax-free withdrawals after age 59 1/2 if certain IRS provisions are met.

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Coverdell Education Savings Account

When you're planning to finance a student's education, this account provides an additional way to help you reach your goal. The Coverdell ESA provides tax-deferred interest if certain IRS provisions are met.

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Important Dates to Remember

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