Personal Investing

Savings & CDs

Put your money to work with FDIC Insured savings and certificates of deposit (CDs).

Brokerage Services

Simple investing for life and retirement powered by solid advice and the latest in financial technology.

Wealth Management

Tailored, comprehensive banking, credit, investment and trust solutions addressing all your financial needs.

Saving For the Future

First PREMIER Bank Savings and CDs offer an FDIC insured environment to grow your nest egg.

  • A simple, easy and convenient way to save
  • Keep funds safe and within reach
  • Savings options available for all life stages, from college to retirement
  • Competitive interest rates and terms
  • Personal bankers available to help find the best plan for you


Which IRA Is Best For You?

Traditional IRA

Make contributions with money that you may be able to deduct on your tax return. Earnings would grow tax-deferred until retirement withdrawal.

Roth IRA

Make contributions with money on which you've already paid taxes. Funds can potentially grow tax-free until retirement when certain conditions apply.

TAX BENEFITS

Tax-deferred growth with tax-deductible contributions.

Tax-free growth with tax-free qualified withdrawals.

CONTRIBUTION RESTRICTIONS

Contribute until you're 70½.

Contribute at any age

INCOME REQUIREMENTS

Income does not determine how much you can contribute

Income impacts how much you may contribute

WITHDRAWAL TAXES

Pay taxes when you withdraw pre-tax contributions and/or when you withdraw any earnings.

No taxes when you withdraw your contributions or earnings, as long as the five-year aging requirement has been met.

EARLY WITHDRAWAL PENALTIES

Making withdrawals before age 59½ may result in a 10% penalty.

Make withdrawals before you're 59½ and you may pay taxes on your earnings plus a 10% additional tax.

Traditional IRA

Make contributions with money that you may be able to deduct on your tax return. Earnings would grow tax-deferred until retirement withdrawal.


TAX BENEFITS

Tax-deferred growth with tax-deductible contributions.

CONTRIBUTION RESTRICTIONS

Contribute until you're 70½.

INCOME REQUIREMENTS

Income does not determine how much you can contribute

WITHDRAWAL TAXES

Pay taxes when you withdraw pre-tax contributions and/or when you withdraw any earnings.

EARLY WITHDRAWAL PENALTIES

Making withdrawals before age 59½ may result in a 10% penalty.

 

Roth IRA

Make contributions with money on which you've already paid taxes. Funds can potentially grow tax-free until retirement when certain conditions apply.


TAX BENEFITS

Tax-free growth with tax-free qualified withdrawals.

CONTRIBUTION RESTRICTIONS

Contribute at any age

INCOME REQUIREMENTS

Income impacts how much you may contribute

WITHDRAWAL TAXES

No taxes when you withdraw your contributions or earnings, as long as the five-year aging requirement has been met.

EARLY WITHDRAWAL PENALTIES

Make withdrawals before you're 59½ and you may pay taxes on your earnings plus a 10% additional tax.

 

Investing Made Easy

Brokerage Services

Investing made easy, combining personal advice and turnkey online access.1

Insurance

Protect your investments and provide for the future with a disability and life insurance.1

Retirement Planning

Build your retirement nest egg with a 401(k) plan, traditional and Roth IRAs, IRA Savings or CD.

Managing Your Wealth

First PREMIER Bank

Our Wealth Management team excels in financial planning, investment and portfolio management.

  • Customized, banking, credit and investing solutions
  • Concierge banking for higher net worth individuals
  • Comprehensive financial planning
  • Managed investing with a dedicated wealth advisor
  • Preserve your legacy with estate and succession planning
LEARN MORE

Private Banking

Concierge-style private banking for higher net-worth individuals and families.


Learn More

Managed Investing

Investment and portfolio management support for busy, hard-working individuals and families.


Learn More

Disclosure

{1} Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are:

  • Not FDIC/NCUSIF insured
  • May lose value
  • Not financial institution guaranteed
  • Not a deposit
  • Not insured by any federal government agency.


Check the background of our investment professionals on FINRA’s BrokerCheck

Click here to view Cetera Investment Services Privacy Policy, other Important Information and Business Continuity Plan.

This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site or visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com.