Individual Retirement Account (IRAs)

It's never too early or too late to begin saving for your retirement. Get started with an IRA Savings account.

We offer both Traditional and Roth IRA accounts as well as Coverdell accounts (often called Educational IRAs).

Traditional IRAs let you save for retirement with tax-deferred earnings, and you can withdraw funds once you reach age 59.5.

Roth IRAs aren't tax-deductible, but you can withdraw tax-free the money you contribute under certain circumstances.

Choose an option below to download a PDF with information about Roth and Traditional IRAs:

Traditional and Roth IRAs

Traditional IRAs

Roth IRAs

Coverdell ESAs

You always have access to the funds in your Roth IRA. However, taxes and penalties may apply unless five years have passed since your first contribution, you are 59.5 years or older, and you meet a few other specific criteria.

If you have any questions, please visit any of our branch locations or call us at 1-800-523-3641.

An Accumulator IRA Certificate is a great way to save for retirement at a higher rate without the risk of missing out when rates rise.

The account comes with a variety of benefits, including:

• An accumulator feature allowing members to adjust their rate once per term if rates rise
• A fixed rate, which reduces the risk of losing if rates drop during the selected term
• A low annual fee of just $8
• Up to 26 deposits ($50 minimum per deposit) allowed per year
• A low opening balance of just $100

The following terms are available for Accumulator IRA Certificates:

• 1 year
• 18 months
• 2 years
• 5 years

Visit harborstone.com/rates for current rates and fees.