Retirement Accounts and Solutions

Whether you are nearing retirement or just beginning to think about it, Middlesex has the retirement accounts you need.


Saving for your future.

Golfing, playing tennis, traveling, volunteering. What does your retirement look like? Every dollar counts when you are planning for retirement. A little extra planning now can help ensure your retirement is everything you want it to be.

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Plan confidently, we are here to help you choose the account that is right for you.

The Basics
Individual Retirement Accounts (IRAs) are accounts set up to save money for retirement. Different accounts offer different kinds of tax advantages, so it’s important to understand how each works. Whichever option you choose, your Middlesex retirement account is fully insured and earns a competitive interest rate. 

Roth IRA Plan
With a Roth IRA, the money you deposit has already been taxed. This means at retirement, your withdrawal is tax-free.


Traditional IRA Plan
With a traditional IRA, you make contributions with money you may be able to deduct on your tax return and pay taxes later.

A Simplified Employee Pension IRA is a type of traditional IRA that lets self-employed people and small business owners save for retirement.


Retirement Options:

✔ Fixed Rate CDs 

✔ 12-18 Month Variable Rate CD

✔ Retirement Money Fund


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Opening an IRA is easy. We'll answer your questions and handle the paperwork.
Come into any of our branches to get started.
All accounts are subject to approval. All Annual Percentage Yields (APYs) are accurate as of 1/24/2020 and subject to change without notice. The minimum deposit required to open a fixed-rate CD is $250. The Annual Percentage Yield applies when a $10 minimum balance and interest is kept on deposit for one year. APY assumes interest earned in account compounds. Fees on your account could reduce earnings. Certificates of Deposit are subject to penalty for early withdrawal. Adjustable Rate Certificate of Deposit accounts available for Retirement Plan accounts only.