Personal IRA – Individual Retirement Accounts

IRAs No risk IRA products providing stable returns to help you plan for retirement.

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Features include:

Contribute up to a certain limit each year (see chart below) or 100% of earned income, whichever is less; contributions may be tax deductible.
Customers age 50 and over are eligible for an additional catch-up contribution.
Traditional IRA earnings grow tax deferred, but are taxable as income upon withdrawal; contributions may be tax deductible.
Roth IRA earnings grow tax exempt. When withdrawn, you won't be charged income tax on the earnings if you meet the requirements of a qualified distribution.
Multiple IRA products are available to meet your needs, including the IRA Add-Vantage CD.
Check with your tax advisor to see if you're eligible for a tax deduction.¹

View Rates/Fees

IRA Planning Tools

Calculators: Which is better for me, a Traditional IRA or a Roth IRA?; How much will my Traditional IRA be worth at retirement?
Tutorials: (Includes Audio); Retirement Plan Rollover Options
Graphic Tutorials/Charts: Inflation's Impact on Your Retirement Income Needs

IRA Contribution Chart²
Year	Maximum annual contribution amount	Age 50 or over maximum amount
2012	$5,000.00	$6,000.00
2011	$5,000.00	$6,000.00
2010	$5,000.00	$6,000.00
2009	$5,000.00	$6,000.00
2008	$5,000.00	$6,000.00

Learn more about IRAs and the differences between Traditional and Roth IRAs with our frequently asked questions.

1. Consult your tax advisor or IRS Publication 590 to determine what type of IRA is right for you. Publication 590 can be found at your local post office or online at www.irs.gov.
2. IRA contribution limits are based on earned income. You may contribute up to 100% of earned income, to the maximum listed above.

Individual Retirement Accounts (IRAs)

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