Roth IRA
Tax free growth for your retirement - a smart choice.
The Roth IRA has been a favorite choice in retirement planning since it's debut in 1998 for one reason…it's the only retirement product on the planet that offers tax-free withdrawals upon retirement!
- Tax free growth: you use after tax dollars to fund your Roth IRA, but then all withdrawals are tax-free and available after five years.
- No age limit for withdrawals or contributions: unlike traditional IRAs, you are not required to take distributions at age 70 ½.
- Contributions: made with after tax dollars. You can contribute up to $5,000 per year or 100% of your earned income, whichever is less. Those 50 years old or better can contribute an additional $1,000 per year as a catch-up feature.
- Income requirements: You must have "modified adjusted gross income" below $116,000 ($169,000 for married couples filing jointly) to contribute to a Roth IRA.
Guaranty Bank offers IRA Certificates of Deposit ranging from six months to five years. Roth IRA's through Guaranty Bank are FDIC insured.
We also offer Traditional IRAs and Rollover IRAs.
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