IRA Savings

It’s never too early to start saving for education or retirement expenses. From setting money aside for college expenses to planning ahead so you can reap the rewards of your hard-working years, we offer investment options that will help your money grow. With Centra, you can open a:


Traditional IRA*

  • Almost anyone with earned income is eligible
  • Tax-free contributions (tax on withdrawals)
  • Compounding interest
    Start withdrawing by age 70½

Roth IRA*

  • Income limits for contributing
  • Tax-free withdrawals (tax on contributions)
  • Compounding interest
    More flexibility for withdrawals

Coverdell Education Savings Account* (Education IRA)

  • Trust or custodial account
  • Used to pay qualified education expenses for a designated beneficiary
  • Tax-free distributions

Apply For A Loan

Apply for a loan

From a new home to a new car, and anything in between, we’ve got you covered with a full suite of lending products.

View Loans

*Early withdrawal penalties and maintenance fees may apply and could reduce earnings on deposit accounts.