4.00% APY* on IRAs when you invest by April 15, 2026. Click "Read More" for details. 

Reduce Your 2025 Tax Bill - Before You File - with a Traditional IRA

Earn 4.00% APY* on a new Traditional or Roth IRA when you invest by April 15, 2026. Did you know that contributions to a Traditional IRA could reduce your 2025 tax bill, even if your contribution isn't made until 2026, if you invest before you file your taxes? It's true. Contributions could reduce your taxable income, effectively reducing your 2025 tax bill, too (terms apply). At the same time, you're planning for a more comfortable retirement. That's a win-win.

Kerndt Brothers Bank also offers a Roth IRA option that will help you realize tax-free income when you retire.

The choice is yours.

Ask a tax professional or financial advisor of an IRA is a right choice for YOU, then let US help get you started. CLICK HERE for more information. 

*APY=Annual Percentage Yield. 4.00% APY effective as of 1/1/26 and is equal to an Interest Rate of 3.94%. Term is 12 months. No minimum deposit required. IRAs are time deposit accounts. Additions are allowed throughout the year, not to exceed federal deposit limits. Early withdrawal penalties may apply. Fixed rate IRA accounts will change to the current effective rate on the maturity date for the IRA, for the applicable term.

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