Fun Dinner


Whether retirement is just around the corner or decades away, you can take steps today to save on taxes and secure your future. With a traditional IRA, you save on taxes now because your contributions may be tax-deductible. With a Roth IRA, you pay taxes on your contributions now, but you don’t pay taxes on your distributions.

Traditional IRA

With a traditional IRA, you may get double tax benefits: You’re often able to deduct your contributions from your taxable income and the interest grows tax-deferred. That means you don’t have to pay taxes on your investment earnings until you request a distribution—and at that time, you may be in a lower tax bracket. Calculate your future finances by utilizing this retirement planning calculator.

Roth IRA

With a Roth IRA, your earnings and withdrawals grow tax-free. That is, when you withdraw your money, you may not have to pay taxes! Plus, after you’ve owned the account for five years, you can request a distribution of your money anytime after age 59½.

Traditional IRARoth IRA

Age limit to contribute

Under 70 1/2


Income limits

Earned income

Can't exceed annual income for Modified Adjusted Gross Income (MAGI) limits

Contributions may be tax-deductible



Pay taxes on distributions


No (as long as all requirements are met)

Penalties on distributions before age 59 1/2

Yes, a 10% federal penalty tax

A 10% federal tax penalty on interest earned

Required minimum distributions (annually beginning at age 70 1/2)



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Certificates of Deposit
Grow your money faster

Earn solid rewards without the risk.

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Money Market Accounts
Save, Earn, Repeat

Money market accounts are a smart option for those who want to grow their funds but limit their risk. The more you save, the more you earn.

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