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Individual Retirement Accounts (IRA)

  • Minimum to open: $500*
  • IRA CD balance of $500 currently earns 0.3% APY for 12 months and 0.4% APY for 24 months 
  • If IRA balance is below $500, earns interest of regular savings account (currently 0.1% APY)
  • Interest is accrued daily at current rate
  • Our IRA's mature at 24 months
  • FREE Online Banking and Touch Tone Banking available
  • If you would like more information about our IRA's, please contact a customer service representative.

*Some restrictions apply. See a customer service representative for more information.

*Interest Rates & Annual Percent Yield (APY) subject to change without notice.

*A penalty may be imposed for early withdrawal.



Personalization Settings



BANK OF 1889 would like to personalize your banking experience. Please enter your first name below.

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to the web server.

Please do not remind again