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Individual Retirement Account (IRA)

If you are concerned about your future, having enough money for retirement, medical expenses, or your children’s education, an Individual Retirement Account (IRA) may be the answer.

There are three types of IRAs available:

Traditional IRA
Roth IRA
Coverdell Education Savings Account

Each is tailored for a particular use and has specific eligibility requirements.

Open an Individual Retirement Account today!

We offer IRAs in Fargo, Kenmare, Minot, Stanley, West Fargo, Moorhead and more.

What Can I Expect?

Deposit Rates

Rates effective as of 1/15/2025

Account Type	Average Daily Balance	Annual Percentage Yield*
Free Checking Account	$0.00+	0.01%
Star Rewards Checking**	$0.00+	3.00%
Share Savings Account	$5.00+	0.05%
Special Savings (Includes Christmas Club & Vacation Savings)	$0.00+	0.05%
IRA	$0.00+	0.10%
Health Savings Account	$0.00+	1.00%

*APY = Annual Percentage Yield. Checking and Savings Account dividends accrue daily and are paid monthly based on the average daily balance of the account. Rates are subject to change without notice. Terms, conditions and restrictions may apply.

**Balances up to $20,000 receive APY of 3.00% and balances over $20,000 earn the regular checking account dividend rate ranging from 0% to .02% APY. If qualifications are not met all balances earn the regular checking account dividend rate ranging from 0% - .02% APY.

Request a copy of our current Checking and Savings Account Rate and Charge Schedule by contacting us.

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I chose Town & Country because they are reliable. Town & Country has helped me get a loan for my car and, secondly, to get a loan for my church instruments... It’s always positive anytime I come, so I’m very happy to be with Town & Country.

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