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Retirement Plans

Your Retirement, Your Terms

  • Any Winter Hill Bank CD term can be opened as an IRA CD
  • Or you can open an 18 month IRA CD and make deposits at any time during the term.

Savings Rate Chart

An Individual Retirement Account (IRA) is an essential component of a complete retirement plan. An IRA offers savings that are tax-deferred until you withdraw them, which is typically after retirement when your tax obligation may be lower.


  • Traditional IRAs
  • Roth IRAs
  • SEPs (Simplified Employee Pension)
  • Education IRAs


  • Fixed rates
  • Low minimum balances
  • Tax benefits (Consult your tax advisor for specific information)

View a comparative chart of all our IRA products.


For more information please contact our Customer Service Department at 800-444-4300.