Traditional IRA

• The Traditional IRA allows you to defer taxes on your earnings until they are withdrawn. Certain contributions are tax deductible in the tax year for which they are made.

Roth IRA

• The Roth IRA is a nondeductible account that features tax-free withdrawals for certain distribution reasons after an initial holding period. Since Roth IRA contributions are non-deductible and taxed in the year they are earned, people who expect to be in a higher tax bracket when they retire may benefit more from these accounts than from a traditional IRA.

Contact Bank Personnel for additional requirements, fees, restrictions, or rates at 406-765-2800 or 800-368-2808.