Annuities

Annuities are tax deferred investments that could provide retirement income. Withdrawals prior to age 59½ have a 10% tax penalty.

  • Fixed Annuities
  • Indexed Annuities
  • Variable Annuities
  • Immediate Annuities

View Your AccountContact Our Team

Check the background of our investment professional

Fixed Annuities normally have a fixed rate of interest for a predetermined period.

Indexed Annuities have a fixed rate option as well as other investment options which may be tied to the performance of certain indexes. This option may allow for a higher return potential than the fixed annuity.

Variable Annuities offer more opportunity for growth by investing in sub accounts which could be made up of equities, bonds, and alternative investments. These accounts fluctuate with the market therefore, are more volatile than the fixed or indexed annuities listed.

Immediate Annuities offer an immediate stream of income for a lifetime or a predetermined period.

Annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59½ are subject to a 10% IRS tax penalty and surrender charges may apply. Variable annuities contain both an investment and insurance component. They have fees and charges, including mortality and expense charges, administrative fees, and contract fees. They are sold only by prospectus. The investment returns and principal value of the available sub-account portfolios will fluctuate so that the value of an investor's unit, when redeemed, may be worth more or less than their original value.

Other Services

IRAs

Life Insurance

Disability Income Insurance

Education Savings Account

Mutual Funds

Advisory Accounts

Investment and Insurance Disclaimer

  1. Personal
    1. Checking
      1. Ultimate Checking
      2. Relationship Checking
      3. EZ Checking
      4. Community Hero Checking
      5. Community Hero Ultimate Checking
    2. Savings
      1. Regular Savings Account
      2. Koala Club Savings
      3. Money Market Account
      4. Certificates of Deposit (CD)
      5. Individual Retirement Account (IRA)
      6. CDARs
    3. Loans
      1. Auto & Recreational Vehicle Loans
      2. Personal Credit Line
      3. Overdraft Protection Loan
      4. Home Loans
      5. Home Equity Loans
      6. Home Improvement Loans
    4. Fee Schedule
    5. Additional Services
    6. Personal Financial Insights
  2. Business
    1. Checking
      1. Small Business Checking
      2. Community Checking
      3. Business Checking
    2. Loans and Credit
      1. Commercial Real Estate Loans
      2. Term Business Loans
      3. Revolving Lines of Credit
      4. Agricultural Loans
      5. Working Capital Loans
      6. Meet Our Lenders
    3. Additional Services
    4. Business Financial Insights
  3. Digital Banking
    1. Personal Services
      1. Online Banking
      2. Online Bill Pay
      3. Mobile Banking
      4. Mobile Deposit
      5. e-Statements
      6. Direct Deposit
    2. Business Services
      1. Online Banking
      2. Online Bill Pay
      3. Business Mobile Banking
      4. Business Mobile Deposit
      5. Remote Deposit
      6. Cash Management
      7. Merchant Services
      8. Wire Transfers
    3. Card Services
      1. Debit Cards
      2. Credit Cards
      3. Gift Cards
  4. Home Loans
    1. Types of Home Loans
      1. Conventional Fixed Rate Loans
      2. Rural Housing Loans
      3. Adjustable Rate Loans
      4. VA Loans
      5. FHA Loans
      6. In-House Program
      7. Construction to Permanent Loans
      8. Home Improvement Loans
      9. Home Equity Loans
      10. Jumbo Loans
    2. Find a Loan Officer
    3. Tools & Resources
      1. Home Loan Insights
      2. Home Loan Calculators
      3. Glossary & FAQs
      4. NMLS Registry
  5. Investments
    1. Access Your Account
    2. Traditional IRAs
    3. Roth IRAs
    4. Business Retirement Plans
    5. Mutual Funds
    6. Education Savings
    7. Annuities
    8. Meet Our Financial Advisor
    9. News & Media
    10. Advisory Accounts
    11. Bonds
  6. Insurance
    1. Life Insurance
    2. Long Term Care Insurance
    3. Disability Income Insurance
    4. Request a Quote
    5. Meet Our Financial Advisor
  7. Education Center
    1. Personal Financial Insights
    2. Business Financial Insights
    3. Home Loan Insights
    4. Product Demos
    5. Financial Calculators
  8. Customer Care
    1. Our Story & History
    2. Locations & Hours
    3. Bank Holidays
    4. Contact Us
    5. Reorder Checks
    6. Report a Lost or Stolen Card
    7. Change of Address
    8. Community Involvement
    9. Career Opportunities
    10. Privacy Policy
    11. Report Fraud
Go to Top