Phone: 270-586-7121

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All our checking accounts are designed to make your life easy, including free online banking, bill pay, eStatements, and a Visa® check card. (With exception of Direct Deposit Limited Checking, which includes free online banking only.)

*Account may be subject to applicable overdraft fees


Traditional vs. Roth

Not sure whether a traditional or Roth IRA is right for you? Both traditional and Roth IRAs can keep you on track to a timely retirement. Compare traditional vs. Roth IRAs below – including the unique tax advantages each offers to facilitate your retirement savings! Then consult a tax adviser to determine which IRA is right for you!

Traditional IRA:

  • No income limits to open
  • No minimum contribution in any year
  • Contributions may tax deductible on state and federal income tax
  • Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
  • Withdrawals can begin at age 591⁄2
  • Early withdrawals may be subject to penalty
  • Mandatory withdrawals at age 701⁄2

Roth IRA:

  • Income limits to be eligible to open Roth IRA do apply
  • Contributions may not be tax deductible
  • Earnings are 100% tax-free at withdrawal*
  • Withdrawals on interest can begin at age 591⁄2
  • Early withdrawals may be subject to penalty
  • No mandatory distribution age
  • No age limit on making contributions as long as you have earned income

*Earning are tax-free and penalty-free after the five-year period has been met and the distribution is considered qualified. The following circumstances are considered qualified: distributions beginning at age 59 1/2, death distributions to beneficiaries, disability distributions to owner, first time homebuyer distribution to owner or qualified descendants.