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Let time be your friend and start planning early for your retirement.  The longer you save, the more wealth you will accumulate.   Plus, Irwin Bank is proud to be a leader with competitive interest rates.  Feel good about a secure investment with FDIC Insurance up to $100,000.  A variety of options are available to make your golden years financially care-free.

An Individual Retirement Account (IRA) allows you to contribute money at your own pace.  For only $50.00 you can open an Irwin Bank IRA.  Your contributions may be tax deductible.  Consult your tax advisor for clarification and income requirements.

ROTH  IRA

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Unlike a traditional IRA, ROTH IRA contributions are taxable now.  However, earnings and distributions, upon your retirement, are tax-free.  Consult your tax advisor about the best plan for your needs.

EDUCATIONAL  IRA

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Individuals may make non-deductible cash contributions up to $500 per year.  Distributions that are used for qualified education expenses are tax-free.  Income requirements and other criteria apply.