An Individual Retirement Account allows you to save for retirement. Lyon County State Bank offers two types of IRAs—Traditional and Roth.

Traditional IRA Features

• Allows you to contribute before-tax dollars
• Contributions may be tax deductible
• Earnings grow tax-deferred until withdrawn
• IRS penalties may be assessed on withdrawals prior to age 59½
• Minimum distributions are required at age 70½
• Fixed and variable rate options available

Roth IRA Features

• Allows you to contribute after-tax dollars
• Contributions are not tax deductible
• Earnings grow tax-deferred
• Earnings may be withdrawn tax-free if the Roth IRA is at least 5 years old and you’re at least 59½
• No minimum required distributions
• Fixed and variable rate options available

Our Fixed Rate IRA Certificates are available in the following terms:

• 6 Month Certificate
• 12 Month Certificate
• 18 Month Certificate
• 24 Month Certificate
• 30 Month Certificate
• 36 Month Certificate
• 48 Month Certificate
• 60 Month Certificate

Our Easy Start IRA Certificate is available in the following term:

• 36 Month Certificate

Our Pick Rate IRA Certificate is available in the following term:

• 36 Month Pick Rate Certificate

Our Variable Rate IRA Certificate is available in the following term:

• 18 Month Variable Rate Certificate

Account Details