Secure Your Future With An
Individual Retirement Account

Is an IRA Right For You? Take our MidCountry Bank IRA Test and find out. Then call one of our customer service representatives today at 1-800-255-6795.

You might also be able to save on your present taxes with an Individual Retirement Account, by deducting your qualified contributions from your taxable income. Many Americans can deduct all or part of their IRA contributions from current income taxes. The deductible amount depends on your income, marital status and whether you're an active participant in an employer sponsored plan as defined by the Internal Revenue Service.

With an Individual Retirement Account, you may also be able defer taxes until you retire when you will probably be in a lower tax bracket. The chart below shows you how much you may be able save each year. You may want to consult your tax advisor to review the tax deductible status of an IRA. Regardless of the amount you'll be able to save now on taxes, an IRA is a smart way for you to save for a secure retirement.

Use our IRA 401K | 403B Calculator to see how much will you save by retirement?
Not sure how much you'll need to retire? Use our simple IRA Calculator to help you decide which retirement plan is right for you. Roth vs. Traditional IRAs.
Or use our Retirement Payout Calculator to understand your investment needs better.

IRA Tax Savings Potential Chart

IRA Deductible Contribution Amount	15 % Tax Bracket Savings	28 % Tax Bracket Savings	31 % Tax Bracket Savings	36 % Tax Bracket Savings	39.6 % Tax Bracket Savings
$ 500	$ 75	$ 140	$ 155	$ 180	$ 198
$ 1,000	$ 150	$ 280	$ 310	$ 360	$ 396
$ 2,000	$ 300	$ 560	$ 620	$ 720	$ 792
$ 2,250	$ 337	$ 630	$ 697	$ 810	$ 891
$ 4,000	$ 600	$ 1,120	$ 1,240	$ 1,440	$ 1,584

If You're Changing Employers, An IRA Rollover Makes Sense. If you are retiring or changing jobs and anticipate withdrawing money from your employer's retirement plan, you can avoid withdrawal penalties by transferring your assets into an IRA or another qualified plan. You can ask your employer to arrange for a "direct rollover" of your money into a new IRA account with us, or you can do it yourself with an IRA-to-IRA rollover.

Click here to see which retirement plan is right for you? Roth vs. Traditional IRAs.

Tiered IRA*

-Rate guaranteed for term of certificate.
-Interest paid at maturity.
-$100 minimum balance required to earn interest.
-Minimum opening deposit amount of $100.
-Semi-annual statements.

24- to 60-month Certificates*

-Special products available periodically.
-Ask us for specifics on our specials.

* Substantial penalty for early withdrawal.