Individual Retirement Accounts (IRAs) give you the flexibility to set up a retirement investment to meet your individual needs. The deposits are safe and FDIC-insured up to $250,000.

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This IRA is designed for individuals who want to save tax-deferred dollars and want their annual contributions to be tax-deductible. However, penalty-free withdrawals may be made at any time for college expenses or the purchase of a first home.*

* Bank penalties may apply for early withdrawal.
The major benefit of a Roth IRA is tax-free earnings growth. Although contributions to the Roth IRA are non tax-deductible, earnings grow tax-free and your qualified contributions can be removed at any time without federal taxes or penalties.* You are not required to receive distributions at 70 ½ and in most cases, you can pass your Roth assets to your heirs free of federal income taxes.

Withdrawal of earnings is tax-free when certain distribution rules are met.

* Bank penalties may apply for early withdrawal.
This savings account is specifically designed to provide a tax-free way to save for education expenses for any minor child until the age of 18 on a non-deductible basis. This account can be used to pay for elementary and secondary education (K-12) expenses incurred in a public, private or religious school, as well as college, technical or postgraduate work.

Earnings grow tax-free, and withdrawals for qualified education expenses are also tax-free.
* Bank penalties may apply for early withdrawal.
IRA options have changed significantly over the past few years. If you have an IRA, 401(k), or other retirement funds that you may want to re-position, our team can help.

Check with your financial advisor for more details about the IRA that’s best for you and your tax-deductibility status.
* Bank penalties may apply for early withdrawal.
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