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Deposit Rates

Interest checking, savings, CDs, IRAs, Money Market, HSAs.

Loan Rates

Installment and auto loans.

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Home loans and home equity loans and lines of credit.

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Home Mortgage

Fixed-rate, adjustable (ARM),
construction, jumbo, FHA, VA, and refinancing options.

Home Equity Loan

A fixed interest rate and monthly payment make this a simple and budget-friendly way to make home improvements or pay for big expenses.

Auto Loan

Cars, trucks, SUVs, motorcycles,
boats, RVs and more.

Personal Loan

Competitive rates and terms up to 30 months, fast decisions, and fast funding.

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Individual Retirement Accounts

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Plan Ahead for a Comfortable Retirement

Choosing the right type of tax-advantaged Individual Retirement Account (IRA) allows you to build your nest egg for a happy retirement, or even give your child a big head start on their college savings. All JVB IRAs are available as traditional or Roth IRAs, and almost all our Certificates of Deposit (CDs) are available as IRAs — helping you save securely, predictably, and on your terms.

Apply For an IRA

Which IRA Option is Right For You?

If you are expecting to be in a higher tax bracket during retirement, a tax-free Roth IRA might be perfect for you. You may want to choose a tax-deferred traditional IRA if you expect to be in a lower tax bracket during your retirement. Looking for an option to save for education expenses? Our Coverdell Education Savings Account (ESA) could be just what you need to cover elementary, secondary, and higher education expenses.

If you have questions or would like help opening an IRA, our team is here to help. Contact us by phone or email, or stop by one of our local branches to speak with a JVB representative.

IRA CDs

Combine the tax-advantages of an IRA with the high-interest security of a CD. Choose any CD with a term of 6 months or longer.

Minimum to Open: $1,000

Terms: Varied

Interest Rates: Varied

IRA Builder CDs

Make contributions anytime to save even more with this account that accepts direct deposit through payroll deduction. Set up automatic, recurring transfers.

Minimum to Open: $100

Terms: 12-month

Interest Rates: Varied

Coverdell Education Savings Account

Not only do your earnings grow tax-free, withdrawals are federal tax-free when used for qualified education expenses.

Minimum to Open: $100

Age: Beneficiary must be under 18 to start

Interest Rates: Varied

IRA Rates

Certificates of Deposit (CDs)

Comparison table of Certificates of Deposit (CDs)
APY1 Interest Rate Minimum to Open Minimum to Earn APY1
90 - 181 Day CD or IRA 3.29% 3.25% $1,000 $1,000.00
6 - 11 Month CD or IRA 3.39% 3.35% $1,000 $1,000.00
12 - 17 Month CD or IRA 3.34% 3.30% $1,000 $1,000.00
18 - 23 Month CD or IRA 3.30% 3.26% $1,000 $1,000.00
24 - 29 Month CD or IRA 3.40% 3.36% $1,000 $1,000.00
30 - 35 Month CD or IRA 3.50% 3.45% $1,000 $1,000.00
36 - 47 Month CD or IRA 3.55% 3.50% $1,000 $1,000.00
48 - 59 Month CD or IRA 3.60% 3.55% $1,000 $1,000.00
60 Month CD or IRA 3.60% 3.55% $1,000 $1,000.00
84 Month CD or IRA 2.39% 2.37% $1,000 $1,000.00

Other IRAs

Comparison table of Other IRAs
APY1 Interest Rate Minimum to Open Minimum to Earn APY1
IRA Builder 12-Month Variable Rate CD 0.20% 0.20% $100 $100.00
Education IRA (Coverdell) 0.20% 0.20% $100 $100.00

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Traditional vs. Roth IRA

Traditional IRA

Contributions come from pretax money so your potential earnings will grow tax-deferred. Withdrawals are taxed based on your current income level.

There are no age limits for contribution, anyone who earns income is eligible. Withdrawals are required by age 73*.

Roth IRA

Contributions come from after-tax money, so your earnings grow tax-free and you also won’t pay taxes on qualified withdrawals.

There are no age limits for opening a Roth IRA, anyone who earns income is eligible. You need to fall within the IRS income limits to contribute. Withdrawals are never required.

Retirement Savings Calculator

Use this helpful tool to help plan for your future. Know how much you need to save now to have what you need later.

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Certificates of Deposit (CDs) Savings Accounts

Education Center: Banking for Everyday Life

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