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Individual Retirement Accounts

Term Minimum to open Minimum Balance to Earn APY
60 Month $100.00 $100.00
30 Month $100.00 $100.00
18 Month $100.00 $100.00
12 Month $100.00 $100.00

Please visit our Rate page to view our current rates and any specials we may have at this time.


Rate Information - You will be paid the disclosed rate until first maturity.
Compounding frequency - Interest will be compounded to your account every quarter.
Crediting frequency - Interest will be credited to your account every quarter.
Minimum balance to open the account - You must deposit $1,000.00 ($100.00 for an IRA CD) to open this account.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 ($100.00 for an IRA CD) in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction limitations:
You may not make any deposits into your account before maturity.
You may not make withdrawals of principal from your account before maturity.
You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest only on the crediting dates.
Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) -
The fee we may impose will equal 180 days interest on the amount withdrawn subject to penalty.
In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if the account is part of an IRA or other tax qualified plan.
Withdrawal of interest prior to maturity - The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Automatically renewable time account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity.
Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit.
You will have seven calendar days after maturity to withdraw the funds without a penalty.

Address: 9226 S Commercial Ave. Chicago IL 60617 Phone: 773-768-4800