Traditional IRAs

A traditional IRA is a personal retirement savings plan that offers tax advantages as you work toward your savings goal.

Traditional IRA Details

  • The ability to contribute up to $5,500 to your 2014 retirement plan, some of which may be deductible from your taxes, along with the ability to contribute up to $5,500 to your 2013 retirement plan if you act before April 15, 2014
  • Tax-deferred earnings on your contributions help your savings grow more quickly since you don't pay taxes until you withdraw the funds
  • Withdraw funds without IRS penalty prior to age 59 ½ for certain qualifying expenses (income taxes will apply)
  • The ability to contribute up to an additional $1,000 "catch-up" contribution, beginning in the year you reach age 50
  • Learn more about contributing to IRAs

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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