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Personal Retirement

Accounts that help you—not your money—retire.

Saving for a secure retirement doesn’t need to be complicated.
 
An Individual Retirement Account (IRA) is an account that comes with tax advantages to help you save for retirement. We offer both Traditional and Roth IRAs to help get you there. 
 

Contact Us


Our Traditional IRA

Our Traditional IRA account is a great way to build your savings and financial security for retirement. Your earnings accrue on a tax-deferred basis.
 
  • A minimum opening deposit is required based on the product type.  Contact us for details
  • Contributions may be tax-deductible; see IRS guidelines
  • Must have earned income to make a contribution
  • Annual IRA contribution limits are set by the IRS for each year; see IRS guidelines for details
  • Annual limit applies to any combination of Traditional and Roth IRA plans
  • Fee Schedule
 

Our Roth IRA

Build your retirement savings with our Roth IRA.  Your earnings on the contributions accumulate tax free as long as all qualifications have been met. Contact us for details. 
 
  • A minimum opening deposit is required based on the product type.  Contact us for details
  • Must have earned income to make a contribution
  • There are no required minimum distributions after reaching age 72
  • Annual IRA contribution limits are set by the IRS for each year; see IRS guidelines for details
  • Annual contribution limit applies to any combination of Traditional and Roth IRA plans
  • Fee Schedule 
 

Other Available IRAs


Heritage Bank of Nevada also offers Simplified Employee Pension (SEP) IRAs.  Ask us for details.
 
About “Catch-up” Contributions
You may be eligible for a catch-up contribution if you have reached age 50. See IRS guidelines to be sure.
 
 
 
The interest rate paid on IRA accounts may change after the account is opened.