If you're working, IRAs are perfect to use when saving for retirement.

You can choose from four types of IRAs: Traditional, Roth, Spousal and a Coverdell Education Savings Account (ESA).  See which one is right for you.

Ways to Apply

Traditional IRA

  • No age limit and working, this is the option for you!
  • Put in up to $6,000 a year.
  • Earnings are tax deferred until they’re withdrawn.

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Roth IRA

  • You must be working, and making less than $140,000 a year.
  • Put in up to $6,000.
  • Interest earnings are tax-free in most cases.

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Spousal IRAs

  • Open an IRA for a spouse who is not earning compensation.
  • To open, you must plan on filing a joint tax return when it comes time to do your taxes.
  • You may make an annual contribution up $12,000, with no more than $6,000 deposited into either account annually.

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Coverdell Education Savings Account

  • Pay for the future education expenses of a designated beneficiary under age 18.
  • You may make a contribution up to $2,000/year.
  • Interest earnings are tax-free when used for the designated beneficiary’s education expenses.

Learn More

Ways to Apply

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