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Make the Most of Your Golden Years

Put money away for retirement with a Traditional or Roth IRA and enjoy more peace of mind in your financial future.



Opening an IRA is a great way to put money away for your retirement and earn more dividends compared to standard checking or savings accounts. Choose between Traditional and Roth IRA options to find the one that best suits your retirement goals.


Tax-Free Growth

Sit back and watch your savings increase with tax-free growth on all IRA options, unlike standard savings accounts that get taxed on earned dividends.

Invest in a Variety of Options

IRAs offer more investment options than a 401(k) to help diversify your portfolio, including money markets, certificates of deposit, stocks, bonds, mutual funds, or EFTs.

Withdraw up to $10,000 for Large Expenses

After five years, you may qualify to withdraw up to $10,000 from your IRA penalty-free to cover major expenses like first-time homebuying costs, education, or financial hardships.

IRA Calculator

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Traditional IRA

Save on Taxes Now with a Traditional IRA

With a Traditional IRA, you can make tax-deductible contributions to grow your savings faster and only pay taxes upon withdrawal in retirement. There are no maximum income limits, making it easy for nearly anyone to save for retirement no matter how much you make.

Roth IRA

Enjoy Tax-Free Retirement Income with a Roth IRA

With a Roth IRA, you pay taxes on your contributions now, so you won't have to pay taxes on withdrawals in retirement. This helps you maximize your income in retirement. Unlike Traditional IRAs, you can withdrawal as much or as little as you like in retirement without any minimum distributions or penalties for more flexibility.

Jump Start Retirement Hub

Jump Start Retirement Hub offers ideas that you can apply to help you achieve financial security. Visit the hub to learn about retirement, access special tools, and manage your account.

Why Choose Raiz?

Our financial experts are some of the best, but really our motivation is you. Here is what we are doing to today to reach a brighter tomorrow.


We work hard to make your money work for you. Reap the benefits of our innovative products and services that provide you with high dividend checking accounts, low interest on loans, and great rates on savings and retirement accounts.


Your money never sleeps, and neither do we. Raiz members have access to their digital banking 24/7 and online support chat to help with all your banking needs.


We don’t just want to help you manage your money, we want you to thrive! Raiz provides free, award-winning online courses that cover an array of topics for every stage of your life.

Start your financial journey today.

Rising up our community is what drives us forward. We dedicate our time, funds, and resources to organizations and initiatives that are committed to making a difference.

How It Works

Ready to start your retirement savings? Open a Traditional or Roth IRA in three easy steps:

  • 1

    Open an Account

    Choose the type of IRA that suits your retirement goals.

  • 2

    Make Contributions

    Add to your IRA and watch your savings grow.

  • 3

    Enjoy Retirement

    Start withdrawing your IRA funds to support your retirement dreams.

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Top IRAs Questions

  • Yes, any individual at any age can open an IRA account as long as they have earned income or are rolling over from another qualified retirement plan.

  • A required minimum distribution (RMD) is the amount of money that must be withdrawn by the IRA owner (72 years old or older) once a year in order to prevent a penalty from the IRS.

  • Dividends are paid quarterly.

  • Contributors ages 50 and under can contribute $6,000.00 per year. Contributors 50 and older have a maximum limit of $7,000.00 per year. Please consult your tax advisor for more specific information.

  • The difference between Roth and Traditional IRAs is the timing of their tax advantages. Through a Roth IRA, you contribute after-tax dollars, money increases tax-free, and you can generally make tax and penalty-free withdrawals after age 59½. With a Traditional IRA, you contribute pre- or after-tax dollars, your money grows tax-deferred, and withdrawals are taxed as current income after age 59½.

  • No, there can only be one owner for an IRA.

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Schedule an appointment

Schedule a virtual or phone appointment convenient for you, and let us help you get to the next financial level.


Secure Your Financial Future

Start planning for your retirement by opening a Traditional or Roth IRA, and make contributions to support your retirement goals.

  • 1

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