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Citizens-Farmers Bank


Traditional IRA
The traditional IRA allows you to defer taxes on the earnings on your contributions until they are withdrawn.  Also, depending on eligibility, contributions are tax deductible in the tax year for which you make them.
Roth IRA
The Roth IRA gives retirement savers a different incentive - nontaxable distributions.  Regular Roth IRA contributions are not tax deductible, so owners will not pay federal taxes on distributions of these contributions.  Under certain conditions, the earnings on Roth IRA contributions are also nontaxable when distributed.
Education IRA
A Coverdell Education Savings Account is a nondeductible account that features tax-free withdrawals of contributions and earnings for a very specific purpose - a child's education expenses.
Simplified Employee Pension (SEP) plans can provide a significant source of income at retirement by allowing employers to set aside money in retirement accounts for themselves and their employees.
  • $100.00 minimum initial deposit to start your IRA *
  • Interest compounded monthly  *
  • See our current rates page for latest rate information
     *  Applies to all IRA types



Make yourself at home. We'll provide a variety of options for a new home purchase and refinancing.