What Your IRA Test Score Means

If Your Test Score Is…

Under 14 Points:

An IRA may not be right for you at this time. Speak to one of our representatives for more information.

14 Points or More:

If your age is 21 to 35:

Now is the ideal time to open an IRA. If you invest $2000 a year at 6% or more, you could have $300,000 or more at age 65.

If your age is 36 to 45:

You’re in your peak earning years. Start an IRA today. Don’t delay.

If your age is 46 to 64:

If you haven’t opened an IRA by now, you should do so immediately.

If your age is 65 or more:

If you’re retired, it’s too late to open an IRA. But if you’re still working, you have until age 70-1/2 to continue investing for a more secure future.


This chart is for your information only. Be sure to consult a customer service representative before opening an Individual Retirement Account. ©2014 The Forms Group, All Rights Reserved

Certificates of Deposit RatesIcon For: Rates

Term Rate APY*
91 Days .10% .10%
6 Months .15% .15%
18 Months .40% .40%
24 Months .60% .60%
36 Months .75% .75%
48 Months .80% .80%
60 Months 1.10% 1.09%
Learn More

*Annual Percentage Yield is accurate as of 00/00/14 and is subject to change without notice. A $500 minimum balance is required to obtain the APY. There may be a penalty for early withdrawal.