Individual Retirement Accounts


Invest in Your Success with an IRA Share Account or Certificate 

Whether you’ve already got a hefty stack set aside already or you’re starting to think about saving for retirement, we can help. With our individual retirement account (IRA) you can save easily knowing you’re federally insured up to $250,000.

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IRA Shares

With a minimum balance of only $5, you’ll start earning dividends right away. It doesn’t take much to get started on your retirement savings! 

IRA Certificates

Earn higher dividends with an IRA certificate.  Choose terms as little as 12 months or as long as 60 months to make the most on your money – the choice is yours. 

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Roth or Traditional IRA Shares?

On your route to retirement, which path works best for you?

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  • Generally offers greater long-term tax savings and flexibility 
  • Contributions are not tax deductible 
  • More flexibility for penalty-free withdrawals 
  • No penalty to withdraw initial contributions. Earnings can be withdrawn for qualified reasons with no penalty 
  • No mandatory withdrawal date or age 
  • At retirement age, contributions and earnings can be withdrawn tax-free 


  • Excellent if you’re looking to save for retirement and reduce current income taxes 
  • Contributions may be deductible 
  • Contributions and earnings aren’t taxed until money is withdrawn 
  • Must take Required Minimum Distributions (RMD) once you reach 72

Teller Express

Access your accounts and loans 24 hours a day, 7 days a week with Horizon’s Teller Express! Just by using your phone, you have the power to access your accounts easily anywhere, at any time. Check balances, make deposits and withdrawals, transfer money between accounts, make a loan payment and more! 

Reach out to us for your PIN and start using Teller Express today! 

Find your nearest branch or ATM

We’re part of the CO-OP ATM network! That means with us you’ll gain access to over 30,000 ATM locations nationwide. That’s more than most banks!
Wherever you roam, Horizon’s along for the ride.