All branches will be closed Monday, May 27th, in observance of Memorial Day.


TrailNorth offers a wide range of Individual Retirement Accounts (IRA) to help make your retirement dreams come true

  • A $5.00 minimum balance is required for each of our IRA savings accounts
  • No monthly fees
  • Contributions may be made in "lump sums" or by regular deposits to the IRA Savings throughout the year
  • Dividends are paid monthly
  • IRA Share Certificates are also available with a minimum deposit of $200 and terms of one year through 10 years.

Traditional IRA

A traditional IRA is an account that allows you to defer taxes on your earnings until they are withdrawn. Also, certain contributions may be tax-deductible in the year they are made.

Roth IRA

The Roth IRA is an account that features tax-free withdrawals for certain distribution reasons after a five-year holding period. Since Roth IRA contributions are nondeductible and taxed in the year they are earned, members who expect to be in a higher tax bracket when they retire may benefit more from a Roth IRA than from a traditional IRA. Unlike the Traditional IRA, there is no requirement to begin taking distributions at age 70½.

Educational IRA

The Educational IRA is an account that features tax-free withdrawals for a child's higher education expenses. Contributions are nondeductible, therefore unlike the Traditional IRA, distributions from an Educational IRA are penalty-free and tax-free. Consult your tax advisor for further information.

IRA Share Certificates

Earn higher dividends with an IRA Share Certificate. IRA Share Certificates are available with a minimum deposit of $200.

Current Rates: Effective July 29, 2015

Account Minimum BalanceDividend RateAPY
1 yr to less than 2 yrs $200.00 5.00% 5.13%
2 yrs to less than 3 yrs $200.00 4.75% 4.86%
3 yrs to less than 4 yrs $200.00 4.25% 4.34%
4 yrs to less than 5yrs $200.00 3.75% 3.82%
5 yrs to less than 10 yrs $200.00 3.25% 3.30%

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