Individual Retirement Accounts (IRAs)

Saving for your retirement is one of the most important and challenging financial goals you’ll face. To assist you, we have retirement products designed to meet your personal needs.

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Traditional IRA

A Traditional IRA is one the most popular ways to save for retirement, featuring tax-deferred growth.

  • Features tax-deferred earnings
  • Offers investment flexibility
  • Great choice if your income levels exceed the threshold for Roth IRA contribution
  • May lower your current income tax liability with deductible contribution

Roth IRA

A Roth IRA is a popular savings vehicle for retirement offering tax-free growth.

  • Distributions are generally tax-free
  • Offers investment flexibility
  • No required distributions during original account owner’s lifetime

Education IRA

Beneficiary accounts that pay the cost of higher education.

  • Contributions are tax-free
  • Withdraw without penalty or hassle if used for certain education purposes

Rollover IRA

If you’ve recently changed jobs or retired and you’d like to protect the balance in your employer’s retirement plan, a Capital Bank Rollover IRA is for you.

  • Eligible distributions from an employer-sponsored retirement plan can be directly transferred into a Rollover IRA
  • Direct rollover avoids 20% withholding requirement on distributions from employer sponsored plans

For more information on which IRA is perfect for you, please contact us.

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