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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.

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

* Consult your tax advisor.

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Office Status

Please check the table below for the status of your local community office.

Office LocationStatus
Berwick - Main OfficeNormal Hours
Berwick - Briar CreekNormal Hours
Berwick - FreasNormal Hours
Berwick - SalemNormal Hours
BethlehemNormal Hours
BrodheadsvilleNormal Hours
DallasNormal Hours
Danville Normal Hours
HanoverNormal Hours
KingstonNormal Hours
MifflinvilleNormal Hours
MountainhomeNormal Hours
Mountain TopNormal Hours
NescopeckNormal Hours
PlymouthNormal Hours
Scott TownshipNormal Hours
ShickshinnyNormal Hours
StroudsburgNormal Hours
SwiftwaterNormal Hours

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Online Banking

Important Information Regarding Our Digital Banking Conversion:

Our new Digital Banking platforms are now LIVE! Click here Digital Banking | First Keystone Community Bank ( for more information.

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