Smart Investment
An Individual Retirement Account (IRA) or Coverdell Education account can help you save for the future.

Traditional IRA
Ensure a better financial future for yourself through a Traditional Individual Retirement Account (IRA). Open to anyone 73 years old and below with income from compensation.
- Tax-deferred earnings that earn dividends
- No minimum yearly contribution
- Contributions may be tax deductible

Roth IRA
Set aside after-tax income with this unique savings opportunity. Although contributions are not tax deductible, your earnings accumulate tax free.
- Withdraw regular contributions with no federal penalty or tax liability upon reaching age 59-1/2.
- Contributions allowed at any age, as long as you have earned income
- No minimum yearly contribution

Coverdell Education
An effective way to save for your child’s education expenses, Coverdell Education contributions grow tax free until distributed.
- Allows tax-free withdrawals for qualified school expenses
- Maximum of $2,000 annual contribution per child
Consult your tax advisor about potential tax savings with individual retirement accounts.