Choose payroll deduction into your regular share account and watch your savings grow. Dividends are earned daily and paid monthly. There is no monthly service charge, no minimum balance requirement and no per check charge. Postage-paid envelopes provided for deposits. Overdraft protection is automatically available and costs you nothing unless it is ever needed.
Most financial institutions offer such an account in name only.
The account rate is still set at the whim of management. The rate falls fast when money market rates are falling and rises slowly when money market rates are rising. It is never too early or too late to save for your future. Your IRA contributions can be invested in an IRA share account or an IRA share certificate. Deposit to the account as you see fit.