Retirement Accounts

Online Banking

Which retirement account is right for you?

Available as either a Traditional or a Roth IRA, our Retirement Accounts help you save for retirement by making regular contributions that match your financial goals.

Traditional IRA

A tax-deferred individual retirement account (IRA) that can help you save long-term for your retirement.

Tax-deferred earning. Contributions may be tax deductible; Consult a tax advisor.
Spousal contributions accepted
Contributions due on April 15th of the next calendar year
Interest rate upgrade if older than 59 ½
FDIC Insured up to $250,000

Roth IRA

An individual retirement account (IRA) that allows you to withdraw money on a tax-free bases after age 59 ½.

Tax-free earnings at retirement. Contributions are made with post-tax dollars. Tax-free distributions. Consult a tax advisor.
Spousal contributions accepted
Contributions due on April 15 of the next calendar year
Interest rate upgrade if older than 59 ½
FDIC-Insured up to $250,000

RETIREMENT CALCULATORS

Which is better for me, a Traditional IRA or a Roth IRA?

How much will my Traditional IRA be worth at retirement?

How much will my Roth IRA be worth at retirement?

How Much Do I Need to Fund My Retirement?

Compare IRA Options

Comparison table of IRA options
	18 Month CD	2 ½ Year CD	5 Year CD	Money Market IRA
Opening Deposit	You decide	You decide	You decide	You decide
Annual Maintenance Fee	$15 per IRA plan	$15 per IRA plan	$15 per IRA plan	$15 per IRA plan
Deposits During Term	$10 or More	No	No	No Minimum Deposit Required
Annual Contributions	Not required	Not required	Not required	Not required

Apply Online

Open a checking or savings account from First Federal and enjoy access to secure digital banking, mobile check deposit, Zelle® , card controls, and much more.

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COMMUNITY IMPACT

At First Federal, giving back to our community is a part of us. Stronger and better together, we partner with the residents of Yamhill County to cultivate charitable giving and support to multiple giving programs.