Individual Retirement Accounts: Terms from 30 days to 60 months. Please note that IRA withdrawals prior to age 59 ½ may be subject to a 10% penalty. $500 minimum deposit. SouthEast Bank, its affiliates, and the directors, officers, employees, and agents of SouthEast Bank and its affiliates are not permitted to provide legal or tax advice. Please consult with your legal and tax advisors before entering into any financial transaction.