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We know saving for your future is an essential part of your financial plan, and that’s why we offer Individual Retirement Accounts (IRA).

This account can do many things, such as:

  • Provide tax advantages
  • Supplement your retirement income
  • Let you contribute through payroll deduction

On top of regular contributions, most IRAs pay quarterly dividends. The earnings on the IRA account are also tax-deferred until you begin withdrawing your funds.

It’s never too early to start saving, so set up your IRA today. Doing so is easier than ever, and you can get started with options such as:

  • The Traditional IRA
  • Roth IRA

Contact your local branch today to speak to an investment representative to receive more information on your IRA options!

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Share Certificates

We know that putting money aside for short-term investments is important for you. That’s why we offer Share Certificates that range from 26 weeks to five years. These deposits yield high dividends and most only require a minimum of $1000 initial deposit.

For rate information, click below. Rates change frequently, so call or check back for the latest information.

View Rates »

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Health Savings Accounts are designed for those covered by a High Deductible Health Plan (HDHP) to pay for pre-qualified medical expenses using a pre-tax savings account.  You can use a debit card to pay for medical expenses, including doctors visits, prescriptions, eye care, dental care, and much more. Funds in the HSA can be rolled over from year to year, continuing to earn tax-free dividends.

What are the benefits of an HSA at Incenta?

  • Easy application process
  • Transferable in the event of job change
  • Covers most medical, dental, and prescription costs
  • Pay medical costs with debit card, check, or cash from your account
  • Competitive dividend rates
  • Low minimum opening deposit
  • Reduced income tax liability with pre-tax deposits
  • Free MasterCard debit card, e-Statements and Online Banking Access
  • No monthly or annual account maintenance fees+

Who is eligible for an Incenta HSA?

  • An employee must be covered simultaneously by a High Deductible Health Plan (an annual coverage of at least $1,300 for an individual or $2,600 for families).
  • The HSA enrollee cannot be covered by any other health insurance plan, such as a spouse’s plan
  • The HSA enrollee cannot be claimed as a dependent on someone else’s federal income tax return
  • There are no income, employment, or other age limits other than being a member of Incenta.

How much can I contribute?

The maximum yearly contribution for 2019** is $3,500 for an individual and $7,000 for a family. The maximum HSA contribution is pro-rated based on the number of months of the year that you are eligible. If you are over 55, you can make “catch-up contributions” in addition to standard contributions. The limit for catch-up contributions is currently $3,500 + $1,000 (single) or $7,000 + $1,000 (family) per year. The government is also allowing a one-time-only rollover of Flexible Spending Accounts into HSAs and a once-in-a-lifetime rollover of IRA funds into an HSA (subject to annual HSA contribution limits). An employer may contribute to an employee HSA as much or as little as they choose, though they must stay below the annual legal limit on the account.

What can the funds pay for?

Funds can be used to pay for any “qualified medical expense,” as defined in IRS Pub. 502. To be sure that you are using the most current list of qualified expenses, please click here.

+Account closure fees, NSF, stop payment, and other fees may apply. Please refer to our fee schedule for details. 



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