Roth IRAs

The Roth IRA is a personal retirement savings plan that offers tax advantages as you work toward your savings goal, plus unrestricted access to your contributions and no minimum distributions required, regardless of age.

Roth IRA Details

  • The ability to contribute up to $5,500 to your 2014 retirement plan, along with the ability to contribute up to $5,500 to your 2013 retirement plan if you act before April 15, 2014
  • Potential tax-free earnings as long as withdrawals begin after you are age 59Ā½ and have had the account for at least five years
  • Tax-free earnings, to the maximum amount of $10,000, for the purchase of a first-time home, after you have had the account for at least five years
  • Generally, prior to age 59 1/2, withdrawal of contributions are IRS penalty-free; income taxes and penalties may apply to earnings
  • The ability to contribute up to an additional $1,000 "catch-up" contribution per year, beginning in the year you reach age 50

KeyBank IRAs (FDIC Insured)

FDIC Insured IRAs give you the peace-of-mind of an insured account that continues to grow the longer you keep it.

Benefits

  • Choose from 6 month to 120 month terms with competitive CD rates
  • Money Market Accounts

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Brokerage IRAs (Non-FDIC Insured)

Brokerage IRAs give you the ability to choose the investments within your IRA account

Benefits

  • Potential for higher returns that may be able to outpace inflation
  • No annual fee*

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