Traditional IRAs

A personal tax-deferred savings plan used by millions of American workers to help reduce taxes while saving for a more secure future for themselves and their families.

Roth IRAs

A non-deductible account that offers tax-free withdrawals after a five-year holding period. Qualification is based on your adjusted gross income.

Indexed IRAs

A flexible option available for Traditional and Roth IRAs as well as Coverdell Education Savings Accounts. Rates adjust weekly, make additional deposits anytime, and there's no BHCCU penalty for early withdrawal, although federal penalties may apply.

Coverdell Education Savings Account (formerly the Education IRA)

A great new way to save money for a child's higher education on a tax-favored basis. Contributions are not tax deductible, but earnings are tax free.

Let us help you determine if these tax-sheltered savings plans might be right for you.