RETIREMENT/IRAs Minimum to open determined by the term of the IRA chosen. Federal regulations require substantial penalty for early withdrawal. Inquire at one of our branches for terms and annual percentage yields. Traditional IRAs Allows you to save for retirement at a fixed rate of interest. Taxes on interest earned are deferred until disbursement and deposits are made pre-tax. Roth and Educational IRAs No taxes paid on disbursements after 5 years or if Federal guidelines are met. Deposits are made after-tax. Consult an accountant regarding tax benefits.       Equal Housing Lender Cairo, NE: 308-485-4232  |  Ord, NE: 308-728-1455 Burwell, NE: 308-346-5015 | Grand Island, NE: 308-382-3150