Individual Retirement Accounts
Individual Retirement Accounts (IRA)
Term Minimum
Opening Deposit
Interest Rate Annual
Percentage Yield
91 Day $500.00 0.20%  0.20% 
182 Day $500.00 0.25%  0.25% 
9 Month $500.00 0.40%  0.40% 
12 Month $500.00 0.60%  0.60% 
15 Month $500.00 0.70%  0.70% 
18 Month $500.00 0.80%  0.80% 
24 Month $500.00 0.90%  0.90% 
30 Month $500.00 0.95%  0.95% 
36 Month $500.00 1.00%  1.00% 
48 Month $500.00 1.10%  1.10% 
60 Month $500.00 1.29%  1.30% 

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A penalty may be imposed for early withdrawal.
Fees could reduce earnings.
These rates are accurate as of April 18, 2014.

An Individual Retirement Account (IRA) can offer tax-deferred growth and even tax savings when used under qualifying circumstances.

You can choose from Traditional, Roth, and SEP IRA plans. Plus, we offer Coverdell Education Savings accounts to help cover the costs of higher education.

You can invest your IRA in FDIC-insured Southern Commerce Bank Certificates of Deposit.

Visit the banking center nearest you today to learn more about establishing the IRA that's right for you.