Plan, Save, and Prosper Together
Our Simplified Employee Pension (SEP) IRA gives business owners an easy, tax-advantaged way to provide their employees with important retirement benefits. Whether you’re self-employed, run a small business, or manage a fast-growing team, an SEP IRA offers flexibility and control to both owners and employees while helping you prepare for tomorrow.
SEP IRA Retirement Savings
With a SEP IRA from Isabella Bank, you can contribute to your own retirement as well as to your employees’ accounts—all while enjoying the tax advantages and contribution flexibility that adjust with your business’s success. This simple, low‑maintenance plan helps you support your team’s long‑term financial wellbeing without adding administrative complexity.
Account Benefits
- Ideal for businesses of any size or self-employed individuals.
- Employee always has complete ownership of all SEP IRA money.
- Earn competitive interest on entire balance.
- Contributions are tax deductible, your business pays no taxes on earnings.*
- Minimal government filing requirements.
- Inexpensive to set up and operate.
- Flexible annual contributions, helping if cash flow is unpredictable.
- $100 minimum deposit to open.
- High contribution limits, supporting meaningful retirement savings.
- Minimal administrative responsibilities for employers.
