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CDs

Certificates of Deposit

Protected by FDIC Insurance, these accounts provide low-risk and offer diversification in your investment portfolio and retirement assets. This FDIC-insured account offers a fixed rate for the term of the CD. Integra offers a variety of terms from 91 days to 120 months.

Investment Certificates of Deposit

For larger balances, our Investment CDs offer higher interest rates and terms from 14 days to 12 months. If you have a balance of $100,000 or more, talk to us about an Investment CD.

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IRAs

Individual Retirement Account

Whether you're approaching retirement or planning ahead, Integra Bank offers a wide range of Individual Retirement Accounts and expertise. Protected by FDIC Insurance up to $250,000, an Integra Bank IRA is an excellent way to grow your money while deferring taxes. With a small required minimum opening balance, Integra offers many options from which you can choose.

Traditional IRA

Our Traditional IRA is a great way to supplement your retirement plan. This IRA vehicle may be tax-deferred, so you delay paying taxes on your earnings until withdrawn at retirement. You can also benefit from tax-deferred compounding even if you are unable to deduct your contribution. Consult your tax advisor for details. Your interest rate will be based upon the term you choose. Terms range from 91 days to 120 months at a fixed rate and 18 months at a variable rate. We provide you with a quarterly statement that helps you keep track of your retirement savings.

Roth IRA

One major advantage of a Roth IRA, is the ability to have tax-free interest earnings growth. If the IRA holder is eligible for a qualified distribution, they also have the benefit of tax-free withdrawals at retirement. Unlike our Traditional IRA, which offers the possibility of tax-deferred contributions, the Roth IRA contributions are never tax deductible. Your interest rate will be based upon the term you choose. Available terms are 18 months and 48 months, or a 24-35 month at a fixed rate. Like the Traditional IRA we provide you with a quarterly statement that helps you keep track of your retirement savings.

Coverdell ESA (Education Savings Account) - formerly Education IRA

This savings instrument is a great way to put money aside for your child's future. You can make contributions of up to $2,000 annually per child. Your contributions are non-deductible, however, the earnings are free from federal and most state taxes when used for qualified education purposes including elementary, secondary and higher education expenses such as, tuition, books and related supplies. In addition, the account may be transferred from one family member to another. Interest rates vary depending upon the term of the CD. Terms include 18 and 48 months, or a 24-35 month at a fixed rate. You will also receive a quarterly statement to help you track your savings.

SEP (Simplified Employee Pension)

The SEP plan is a retirement plan established by an employer. This SEP-IRA is a great idea for the small business owner who would like to offer a retirement plan to themselves and other employees. The employer can use this SEP plan to make contributions to the IRA's of eligible employees and him/her self. The terms range from 91 days to 120 months. Rates vary depending upon term selected.

Managing Lump Sum Distributions from Retirement Plans, 401K or an IRA

If you are thinking of changing jobs or retiring from your present position, you may want to consider rolling over or transferring your current retirement savings plan to Integra Bank. That way you can keep your money working for you on a tax-deferred basis.

Direct and Indirect Rollover IRAs

With a Direct Rollover, you have the option of having your retirement account directly moved from your current employer to one of our Traditional IRA plans. By using the Direct Rollover option you can avoid the mandatory 20% federal income tax withholding. In an Indirect Rollover, your employer is required to withhold 20% of the funds for prepayment of federal income tax. It is necessary to reinvest your rollover distribution into an IRA within 60 days to avoid additional taxes or penalties. This process may require you to reallocate funds from other personal savings accounts to compensate for the amount withheld. Assuming you have no other tax obligations, you may receive the withheld amount back from the Internal Revenue Service (IRS) when you file your taxes. Another option is to Transfer your current IRA to an Integra Bank IRA. This can easily be achieved by contacting an IRA representative and completing a Transfer Request Form. As always it is a good idea to consult your tax advisor before making any investment decisions.