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Types of IRA’s

Self Directed IRA

Bank of Pontiac can be named as custodian for IRA funds which could also include funds rolled over from another retirement plan or IRA, under IRS guidelines. The bank makes investment changes only upon your direction. A Self Directed IRA can be either a Traditional IRA or Roth IRA. As custodian, Bank of Pontiac will provide a complete reporting of the account transactions.

Traditional Trusteed IRA

Bank of Pontiac may be named as trustee with full investment management authority. You will complete an investment profile to assist us in defining and realizing your investment objectives.

Custodial IRA

A custodial IRA can be either a traditional IRA or a Roth IRA and is available through our New Accounts department.


If you prefer a more traditional investment path with the added security of FDIC insurance, a Certificate of Deposit might be your answer. We offer several investment terms and frequent CD specials.

CD Rates