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ISB Retirement & Special
Savings Accounts (click below)

Individual Retirement Accounts (IRAs)

Traditional / ROTH IRA

Education Savings Accounts (ESAs)

Health Savings Accounts (HSAs)

Individual Retirement Accounts (IRAs)


Any person with earned income who is 18 to 70 1/2 years old.

Minimum Investment:

Varies depending on term of Certificate of Deposit chosen by customer. Ranges from $100.00 to $500.00.

Maximum Investment:

Any working individual under the age of 50 is eligible to contribute $5,500.00 annually. Any working individual age 50 to 70 1/2 is eligible to contribute
$6,500.00 annually. No limit on amounts transferred or rolled-over from existing IRA's or Qualified Retirement Plans. Contribution limits aggregated between Roth & Traditional IRAs.


See Product Rates


Funds can be withdrawn by individuals 59 1/2 years or older at any time without penalty. Individuals under 59 1/2 years can withdraw without government penalty if all the funds are reinvested in another IRA within 60 days. If the funds are not re-invested, the government imposes a 10% penalty. The bank imposes a penalty for early withdrawal from a certificate. The IRS offers some exceptions for early withdrawal.


All funds are insured up to $250,000 per individual by FDIC.


An IRA gives working individuals a simple, tax sheltered way to save for retirement with easy access.


  • Contributions may be fully or partially tax deductible depending on income level, marital status, and if the individual participates in an employer sponsored retirement plan.
  • Interest earned on IRA's is tax deferred. Federal income tax is not paid on earnings until withdrawn from the IRA.
  • Tax deferred investments grow faster than investments made without the benefit of tax deferral.
  • Supplements Social Security income after retirement.
  • Access to funds at any time. (Individual situations would determine if penalties would be appropriate to distributions).

Log On to ISB Banking

(remember: your Access ID is case sensitive)
or click here to Set-Up a New Account

ISB 24/7 Banking allows you to:
  • Verify account balances, ATM transactions
     & cleared checks
  • Obtain interest rate info
  • Transfer funds between accounts
     ... and more.
DIAL IN at 1-800-991-4259

Learn more about ISB 24/7:
Internet Banking | Mobile Banking | Telephone Banking

Altoona Office    Map It
1201 8th Avenue
Altoona, PA 16602
Phone: (814) 944-0843
Fax: (814) 942-6821

Lobby Hours
MON-FRI: 9am - 4:30pm

Drive Up Hours
MON-THU: 8:30am - 5pm
FRI: 8:30am - 6pm
SAT: 9am - 12pm

Bank Holiday Schedule

Duncansville Office    Map It
201 Patchway Road
Duncansville, PA 16635
Phone: (814) 695-7551
Fax: (814) 695-1369

Lobby Hours
MON-FRI: 9am - 5pm

Drive Up Hours
MON-THU: 9am - 5pm
FRI: 9am - 6pm
SAT: 9am - 12pm

Bank Holiday Schedule

After Hours
To report a lost or stolen debit card
after business hours, please call

To report a lost or stolen credit card
after business hours, please call

For credit card balance inquiries
after business hours, please call

Member FDIC ISB is an Equal Housing Lender Equal Housing Lender