IRA  
IRA IRA
IRA IRA IRA IRA Business Banking IRA IRA  
 
 
IRA

IRA
You've got a plan for the future, and we've got a plan for you. Whether you have a long-term or short-term savings goal, Spencer has the perfect IRA plan to meet your needs. Either invest all of your money up front into a fixed rate and term IRA CD, invest your money with convenient deposits or direct deposit with our Savings IRA or try a combination of both. Here's a quick breakdown of the advantages of each:

  
Spencer IRA's are guaranteed by the FDIC up to $250,000 per depositor
IRA CD
IRA Savings
Interest
• Compounded daily and credited monthly
• Compounded daily and credited monthly
Benefits
• Flexible Options*
• Terms ranging from 1-5 years
• Minimum opening balance of $500
• Fixed-rate for entire term
• Automatic renewal option
• Offers account flexibility
• Make deposits at any time
• Minimum opening balance of $100
• Variable-rate savings
• Earn money market rates
IRA Types
 Available in Traditional or Roth Available in Traditional or Roth
Rollover
 Here at Spencer, we can help you consolidate your retirement funds with a quick and easy IRA rollover. Let one of our Retirement Specialists take care of the paperwork for you.
 

*One term change is allowed per year for customers over age 59 1/2 years of age without penalty.

IRA
  
IRA