Today is April 26th. 2:30 PM CDT | Routing Number: 283980099

IRAs & Certificates

TIME SHARE CERTIFICATES

A variety of certificates are offered to fit your investing needs.  Rates and terms are adjusted periodically to reflect market conditions and are available upon request.

IRA - INDIVIDUAL RETIREMENT ACCOUNT

Begin planning your retirement now with an IRA from Signet. This tax-deferred account earns dividends calculated by the average daily balance method and credited to your account monthly or quarterly. A choice of fixed rate or variable rate IRAs are available. Talk with one of our IRA consultants concerning specific information about rates, legal requirements, and account procedures.

HEALTH SAVINGS ACCOUNT (HSA)

A Health Savings Account gives you more flexibility and control over your health care costs. That’s because it empowers you to make your own health care decisions. And since you are the owner of your HSA, it doesn’t matter what your job status is or whether your employer makes contributions to your plan. Your HSA will always follow you.

COVERDELL EDUCATION SAVINGS ACCOUNT

Seeing a child work toward a college degree is a parent’s dream. But with rapidly escalating costs of higher education, this dream can become a financial nightmare. The sole purpose of an Education Savings Account (ESA) is to help you pay for your child’s education expenses, such as tuition, fees, books, supplies, equipment, and in some cases, room and board and computers. Earnings grow tax-free if distributions are used for qualified education expenses.

WE ALSO OFFER ROTH IRAS!

You have another retirement option available to you through Signet ...the Roth IRA!  Take advantage of this great investment option which allows you to grow your retirement savings.

For additional information on this great new benefit, contact Cliff Harris at (270) 443-5261.

Certificate Minimum Deposit $1000.00

Term Rate APY
Certificate - 6 Months 0.40% 0.40%
Certificate - 12 Months 0.75% 0.75%
Certificate - 24 Months 1.00% 1.00%
IRAs - Variable Rate 0.60% 0.60%
IRAs - Fixed Rate $2,500 and above See Certificates
Health Savings 0.60% 0.60%
Coverdell Savings 0.60% 0.60%