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Individual Retirement Accounts

The best time to plan for the future is right now.
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Grow Your Savings Quickly

IRAs offer a tax-advantaged* way to save for your future. Depending on which type of IRA you choose, you could see those tax benefits today or during your retirement.

IRAs Made Easy

IRAs give you the opportunity to grow your savings quickly. Our IRAs are even FDIC insured. Talk to one of our experienced representatives about how to start funding your own IRA today!

Traditional IRAs

Potential for tax-deductible contributions and tax-deferred interest.

Roth IRAs

Distributions are generally tax-free if qualifications are met.

Other Options

We also offer SEP IRAs and Beneficiary/Inherited IRAs.

Products Built to Fit Your Plan

You can choose to put your funds in IRA Savings Accounts, IRA Certificates of Deposit, or both.

IRA Savings Accounts

  • No minimum deposit or minimum balance requirement
  • Ability to make small contributions
  • There’s no bank penalty for withdrawals at any age, but an IRS penalty may apply
  • Interest is paid monthly
  • Ability to monitor your products online

IRA Certificates of Deposit

  • $500 minimum deposit
  • Earn higher interest than with an IRA Savings Account
  • There’s no penalty for withdrawals if you’re over 59 and 1/2 years old
  • Interest is paid quarterly
  • Ability to monitor your products online

Plenty of Options

Retirement isn’t a “one size fits all” situation and IRAs shouldn’t be either. Our IRAs can be customized and tailored to your needs. 

Here to Help

We assist in completing rollovers, transfers, and continuous contributions. We also help calculate your Required Minimum Distribution.

Personalized Service

We’re here to help you every step of the way. Convenient scheduled distributions are available upon request.


You can make withdrawals at any of our branches. We offer the ability for Federal withholding at the time of distribution.



Visit a Community Office near you!



Have some questions or suggestions?

Individual Retirement Accounts. Tax-advantaged* retirement savings built just for you.

* Consult your tax advisor.

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COVID-19 Coronavirus

Effective Wednesday, June 3, 2020, our Danville branch will reopen for lobby service in addition to ongoing drive-thru service.To assist in the containment of the COVID-19 virus, effective Wednesday, March 18, 2020, all offices of First Keystone Community Bank will be limited to drive-thru, ATM and digital banking access. Effective Monday, April 6, 2020, all branch locations will be operating under adjusted hours. While our lobbies remain closed, our drive-thru service will be open 9AM – 4PM Monday-Friday until further notice. Our weekend drive-thru hours, Saturdays 9AM-12PM and Sunday (Main Office only) 9AM-12PM, will remain the same. For locations and hours, please click here. For more information on our COVID-19 actions, please click here.

Updated 06/01/2020 at 4:00PM


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