Individual Retirement Accounts (IRAs)

Secure your future with an IRA.

From flexible savings to timeline-matched IRA Certificates of Deposit, we make it simple to maximize your hard-earned dollars.

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Benefits of an Individual Retirement Account

  • Make monthly deposits or large contributions that suit you
  • Opportunity to enjoy tax advantages*
  • FDIC protection on your deposits

Planning for the future doesn’t look the same for everyone. Our IRA savings options can help you get to where you want to go on your terms.

Please Note: There are income limitations to this account. Learn more about Traditional and Roth IRA contributions and limitations on the official Internal Revenue Service website.

 

Traditional IRAs

IRA Savings Account
A flexible savings account that allows you to add funds whenever you want, making it perfect for regular contributions.

IRA Certificates of Deposit
Lock in a guaranteed, competitive return. Choose your timeline from terms that range from 6 months to 72 months.

 

Roth IRAs

You may contribute to a Roth IRA at any age as long as you have earned income and file a tax return. The earned income must be in the form of wages, salary, tips, alimony, or profit from business or farming. 

Spousal Advantage
If you're married, you both may qualify to build your own nest eggs. 

 

Ready to start your retirement in Riley County? 

Contact Riley State Bank today to open an IRA.

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*Consult a tax advisor.

Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated Annual Rewards $0
  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
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*Qualifications, limits and other requirements may apply. See details for more info.

**The maximum total of refunds on ATM withdrawal fees per monthly qualification cycle is 25.

Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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  • Net cost of buying $0
  • Net cost of leasing $0
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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total value at maturity $0
  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
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Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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  • Monthly deposit needed to reach goal $0
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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Estimated monthly payment $0
  • Total paid $0
  • Total interest paid $0
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Kasasa Cash*

Balance Minimum Opening Deposit Rate APY
0 - $15,000 $x 0.00% 0.00%
$15,000+ $x 0.00% 0.00%
All balances if qualifications not met $x 0.00% 0.00%

Qualifications

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Kasasa Saver*

Balance Minimum Opening Deposit Rate APY
0 - $15,000 $x 0.00% 0.00%
$15,000+ $x 0.00% 0.00%
All balances if qualifications not met $x 0.00% 0.00%

Qualifications

xx