Plan ahead and enjoy all that retirement has to offer. With so many IRA options to choose from, it’s easy to find the right plan and build that nest egg. 

For 2008, individuals can contribute up to $5000 or 100% of earned income, whichever is less on Traditional or Roth IRA's. Remember-Investors age 50 and over are eligible to make an additional $1,000 per year catch-up contribution.
 
Traditional IRA

• Competitive fixed terms and rates
• Allows you to defer taxes on your earnings until withdrawal
• Certain contributions are tax deductible in the year in which they are made
• View more specific information on eligibility and contribution   

Variable Rate IRA

• Savings account that offers monthly rate changes tied to the 91-day US Treasury Bill 
• Minimum deposit only $50.00 
• Move your variable rate account to an S&T fixed-rate IRA account at any time without penalty 

Roth IRA

• Non-deductible account featuring tax-free withdrawals for certain distribution reasons
• Five-year holding period
• Roth IRA contributions are nondeductible and taxed in the year they are earned. Those who expect to be in a higher tax bracket when they retire may benefit greatly from Roth as opposed to Traditional IRA’s
• View more specific information on eligibility and contribution