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You work hard for your money – wouldn’t it be nice if your money worked hard for you?  At TruChoice, we have multiple options to help you build your savings. 


Our Share Certificates come with multiple options, allowing you to earn higher dividends than a typical savings account.  With a share certificate, you deposit your funds into the account for a set amount of time (ex. 6 months, 1 year, 24 months), and agree to make no withdrawals from the certificate for that period.  During that timeframe, the certificate will earn dividends.  When the certificate matures (the timeframe is up) you will receive the funds originally invested along with the dividends earned.


IRA (Individual Retirement Account)


An IRA is one of the most common retirement savings accounts, and when opening one, you'll need to choose between two main types: Roth or Traditional.  We recommend discussing your options with your tax advisor to help determine the best choice for you.


The main difference between a Roth IRA and a Traditional IRA is how and when you get a tax break.

  • Traditional IRA.
    • Contributions you make to a traditional IRA may be fully or partially deductible, depending on your filing status and income, and
    • Generally, amounts in your traditional IRA (including dividends) are not taxed until you take a distribution (withdrawal) from your IRA.
  • Roth IRA. 
    • Contributions are made with after-tax funds and are not tax-deductible, but earnings and withdrawals are tax-free once requirements are met.

For more information on how these IRA options work, including details on contribution limits, age limits and frequently asked questions, go to

Interested in learning more?  You can check out our current rates here or contact us to get started!