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Traditional Individual Retirement Accounts (IRAs)

Traditional IRAs are available at First National Bank. A traditional IRA offers tax-deferred earnings and, for some, tax-deductible contributions.
Please contact one of our branch offices to discover if you are eligible for a traditional IRA.

Self-Directed Individual Retirement Account (IRA)

Depending on your investment strategy and risk tolerance, First National Bank offers a self-directed individual retirement account (IRA) that allows you to diversify your investments into non-bank products, including stocks and bonds. You may wish to seek professional advice before you invest in non-insured products. Check with your First National Bank financial advisor for the charges associated with a self directed IRA.

Standard contribution limits for IRA's are as follows:

  • 2010 $5,000
  • 2011 and thereafter $5,000 + COLA (Cost Of Living Adjustments), if applicable

Simplified Employee Retirement Plans (SEPs)

Simplified Employee Retirement Plans (SEPs) are small business alternatives to Qualified Retirement Plans (QRPs). See your local branch office for more details.

Rollovers from Retirement Plans

We can do rollovers or transfers from IRA accounts or direct rollovers from retirement plans (e.g. profit sharing and 401 (k) plans). Contact our IRA consultant today for details.

Roth IRAs

A Roth IRA is an individual retirement account that allows only nondeductible contributions but features tax free withdrawals for certain distribution reasons after a five year holding period.

Coverdell Education Savings Account

Saving for school? Look into a Coverdell Education Savings Account at First National Bank.

See your nearest First National Bank branch for an IRA today
and start saving for your future.
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