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Individual Retirement Accounts (IRAs)

The smart, easy way to save – and save on taxes, too.

From the time you open an IRA account until the day you retire (and withdraw your savings), the money you save grows tax-deferred.

You may even qualify for a tax credit if you contribute to an IRA. Please consult your tax advisor for more information regarding your individual situation.

Account Choices

Traditional IRA
With a Traditional IRA, you can take advantage of tax-deferred earnings and possible yearly tax deductions. If you meet certain income requirements, Spousal IRAs are also available.

Roth IRA
With a Roth IRA your contributions are not tax deductible because they are made with after-tax dollars, but your withdrawals are tax-exempt if certain conditions are met. Spousal IRAs are also available if you meet certain income requirements.

Brokerage IRA
Offered through American Insurance and Investments.

Other IRA Options
First Commercial Bank, N.A (USA) offers other employer-sponsored retirement account options including SEP IRAs and SIMPLE IRAs. In addition to our FDIC-insured IRAs, you may open a self-directed IRA and invest in mutual funds and other non-FDIC-insured investments.

Compare IRA Accounts