Take Control of Your Financial Future!

With your busy life, it is hard to find the time to plan out your future, but TotalBank can help by offering you an easy, safe and secure IRA so you can start preparing and saving for retirement today. You’ve worked too hard to leave your retirement lifestyle to chance.

The options are yours!

Whether you need to Transfer or Rollover IRA funds, or wish to make your annual contribution with us, we offer both Traditional and Roth IRA CDs, each with their own unique advantages. No matter which one you choose, you can rest easily knowing your financial future is bright and your retirement is secure. Consider:

Traditional IRA

  • Do you need a tax break this year?
  • Do you anticipate paying taxes at a lower rate after retirement?
  • Perhaps you do not qualify for non-deductible contributions, but still want tax-deferred growth.

Roth IRA

  • Can you do without the tax break right now?
  • Are you looking for tax-free withdrawals in retirement? 
  • Do you like the idea of not having to take a mandatory distribution at age 70 ½?

Get started!

The first step is to always speak with your tax advisor before making any investment decisions. You can open one of our individual retirement accounts (IRA) with as little as $1,000.00 by speaking to one of our staff members at your nearest TotalBank banking center

Additional investment options available for you

We have additional investment options available for you through our Total Wealth Management division.

Don't forget, the earlier you start planning for your retirement, the better prepared you'll be to enjoy it.

*Whether or not you are eligible to contribute to an IRA, as well as, which IRA (Traditional or Roth) you should contribute to, is a matter that must be discussed with your tax professional or accountant prior to investing.