Ahhhhhhhhhhh........Retirement!

Do you look forward to having more time to spend with your family? Taking vacations? Finally being able to relax? Planning for retirement and investing wisely will help you live the life you envision when the time comes, especially because Social Security and pensions may not be enough to support you when you retire.  By opening an Individual Retirement Account (IRA) certificate of deposit, Home Savings of America can help secure your financial future.  And remember, at Home Savings, we don’t charge any IRA fees that will eat into your return.  That’s right—no IRA set up fee, annual fee, trustee fee, maintenance fee or conversion fee.  (They don’t like us to say this, but ask our competitors about their IRA fees.  You’ll be surprised!)

We offer both traditional IRAs and Roth IRAs. There are many differences between the two, including how IRA contributions are taxed--a traditional IRA allows you to defer taxes on your contributions while a contribution to a Roth IRA is taxed in the year the contribution is made.  Each type of IRA has and advantages and disadvantages as well as certain requirements to open and close the accounts. Home Savings of America can help you decide which option is the best for you.

Opening up an IRA couldn’t be easier.  All you need to do is stop by our savings branch office and a friendly Customer Service Representative will walk you through the steps.  Do you have an existing IRA or 401(k) account? We can help you rollover these accounts to a Home Savings IRA—we’ll even help you fill out the paperwork!  For FREE!

See our current IRA rates.