個人退休賬戶¹

國寶個人退休賬戶提供穩定的回報，以幫助您計劃退休。我們的客戶代表將詳細解釋這些帳戶的性質，並幫助您完成相應的表格來看建立你的傳統和/或羅斯個人退休賬戶。

• 提供固定高利率定期存款使您有個安全與可靠的方式退休儲蓄。
• 除了提供高利息之外，您的個人退休賬戶給您帶來省稅的機會²。

傳統IRA與羅斯IRA年度存款限額⁵

在國寶銀行開個人退休賬戶再簡單不過了！來我們的分行或者打電話給我們。我們幫您，為您的未來退休儲蓄做打算！

^{*Annual Percentage Yield (APY) is effective as of 3/4/2020 and may be changed or terminated by the bank at any time without notice.}

^{1 This page includes information you need to know about deposit accounts at Abacus Federal Saving Bank. This page is designed to help make your banking at Abacus Federal Saving Bank easy to understand and is intended to provide general information with respect to the features and requirements of Individual Retirement Accounts through Abacus Bank. It is not intended to provide legal advice or to be a detailed explanation of the rules or how such rules may apply to your individual circumstances. For specific information, you are encouraged to consult your tax or legal professional. IRS Publication 590, Individual Retirement Arrangement (IRAs), and the IRS website, www.IRS.gov, may also provide helpful information.}

^{2 Consult your tax advisor.}

^{3 For IRA CDs, a $1,000 minimum balance is required to open an IRA CD or the 1-Year Promo IRA CD and to earn annual percentage yield. The annual percentage yield assumes interest will remain on deposit until maturity. Withdrawals from IRAs before age 59 ½ may be subject to a 10% federal additional tax and possible state tax, except under certain conditions. Please consult your tax professional. In addition, withdrawals from IRA CD before the maturity date may also be subject to bank early withdrawal penalties. Fees could reduce earnings on the account. The IRA Promotional CD will be automatically renew to a standard IRA CD and Annual Percentage Yield offered at that time. Speak with an Abacus bank representative for more information.}

^{4 All new money (monies not currently held in an Abacus account) required. A $50,000.00 or more is required to open an IRA Jumbo CDs and to earn annual percentage yield. Must have an Abacus saving/checking account. The annual percentage yield assumes interest will remain on deposit until maturity. Withdrawals from IRAs before age 59 ½ may be subject to a 10% federal additional tax and possible state tax, except under certain conditions. Please consult your tax professional. In addition, withdrawals from IRA CD before the maturity date may also be subject to bank early withdrawal penalties. Fees may reduce earnings on the account. Speak with an Abacus bank representative for more information.}

^{5 Contributions to a Traditional IRA are not permitted once you reach age 70½. Contributions to a Roth IRA may be made at any age.}

^{6 Subject to annual cost-of-living adjustments (COLAs), if any.}