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How would you like to spend your golden years: kicking back on your dream vacation or kicking yourself for not saving sooner? We thought so.

Now's the time to start saving for retirement and Isabella Bank is the place to do it. Our IRAs offer unique tax-advantages* and higher interest rates. Talk to an Isabella Bank representative to find the plan that works best for you and your future.

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  • Competitive interest above standard savings rates
  • Traditional and Roth IRA options
  • No setup fees
  • No monthly or annual maintenance fees

There are advantages to both Traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A Traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.

Traditional IRA

  • No income limits to open
  • Contributions are tax deductible on state and federal income tax*
  • Earnings are tax deferred until withdrawal*
  • Penalty free withdrawals can begin at age 59½*
  • Early withdrawals subject to penalty*
  • Mandatory distribution at age 70½

Roth IRA

  • Income limits to be eligible to open Roth IRA*
  • Contributions are NOT tax deductible
  • Earnings are 100% tax free at withdrawal*
  • Principal contributions can be withdrawn without penalty*
  • No mandatory distribution age
  • No age limit on making contributions as long as you have earned income

Create an easier transition into college for yourself and your student by setting up a savings account early. A Coverdell Education Savings Account (ESA) provides a safe, tax-free place to earn competitive interest — so you can rest (a little) easier.

  • Set aside funds for your child's education
  • No setup or annual fee
  • Interest grows tax-free
  • Withdrawals are tax-free and penalty-free when used for qualified education expenses*
  • Designated beneficiary must be under 18 when contributions are made
  • To contribute to an ESA, certain income limits apply**
  • Contributions are not tax deductible
  • The money must be withdrawn before the beneficiary turns 30 or transferred without penalty to another qualified member of the family**

We're part of the Isabella Bank Corporation, a publicly-traded company. Interested in becoming an investor?

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