Individual Retirement Accounts offer many people a tax-advantaged way to save for retirement, and our Passbook IRA is a simple choice. You can open it with as little as $100, and use it to roll over and consolidate funds from other retirement accounts. Interest accrues daily, and is compounded and credited twice a year. You can make deposits and withdrawals at any time (but withdrawals made before age 59 1/2 may be subject to Federal penalty).

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