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CD's & IRA's
CD's & IRA's

COMMUNITY FIRST
   Certificates of Deposit

If you want a guaranteed return on your money and terms that conform to your time frame, Community First CD's should be your choice. With terms from 90 days to 5 years, you can enjoy guaranteed rates and insured safety. Open a CD today with only $1000.

COMMUNITY FIRST
   Traditional IRA

This IRA is designed for individuals who want to save tax-deferred dollars and want their annual contributions to be tax deductible. Penalty free withdrawls may be made for college expenses or the puchase of a first home.

COMMUNITY FIRST
   Roth IRA

Enjoy the benefits of tax free earnings growth with a Roth IRA. Although contributions to the Roth IRA are not tax deductible, the contributions can be removed at any time without federal taxes or penalties. You are not required to receive distributions at age 70-1/2 and in most cases, you can pass your Roth assets to your heirs free of federal income taxes. Withdrawal of earnings is tax free if certain distribution rules are met.

* Check with your financial advisor for more details about the IRA that's best for you and your tax-deductibility status. Bank penalties may apply for early withdrawal.