Republic Bank & Trust

IRA - Individual Retirement Accounts

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Florida Content

Good for you! You’ve made a commitment to invest in an IRA for your future!

An IRA is an interest-bearing savings account that allows individuals to set aside money in certificates of deposit for retirement savings. Consult a tax advisor regarding your IRA eligibility and possible tax deductions**. Early withdrawal penalty may apply and will reduce earnings.

Current IRA CD terms and rates:

rates_ira_FL table
TermInterest RateAPY*Minimum to Open
12-month2.08%2.10%$1,000
18-Month1.83%1.85%$1,000
36-Month1.64%1.65%$1,000
60-month1.64%1.65%$1,000

* Annual Percentage Yield as of MM/DD/YYYY

Republic Bank offers two great IRA options for your savings needs:

TRADITIONAL IRA

  • New contributions can be made by anyone under the age of 70 ½ who has earned income and filed a tax return.
  • Interest grows in the account tax-deferred.
  • Distributions can be taken any time after age 59 ½ without IRS penalty.
  • Only $1,000 needed to open a new IRA; or move your retirement funds from an IRA at another bank or your qualified retirement savings plan (if eligible).

This account and the stated rates are only available to Florida residents of Hillsborough, Pasco and Pinellas County.

 

ROTH IRA

  • New contributions can be made by anyone, without age restriction, who has earned income and filed a tax return.
  • Interest grows in the account tax-free if you maintain a Roth IRA at least 5 years.
  • Distributions can be taken any time after age 59 ½ without IRS penalty or tax.
  • Only $1,000 needed to open or move your retirement funds from an IRA at another bank or your qualified retirement savings plan (if eligible).

This account and the stated rates are only available to Florida residents of Hillsborough, Pasco and Pinellas County.

 

** Consult a tax advisor for more details.

Kentucky/Indiana Content

Good for you! You’ve made a commitment to invest in an IRA for your future!

An IRA is an interest-bearing savings account that allows individuals to set aside money in certificates of deposit for retirement savings. Consult a tax advisor regarding your IRA eligibility and possible tax deductions**. Early withdrawal penalty may apply and will reduce earnings.

Current IRA CD terms and rates:

rates_ira_KYIN table
TermInterest RateAPY*Minimum to Open
12-month1.83%1.85%$1,000
18-Month1.83%1.85%$1,000
36-month1.64%1.65%$1,000
60-month1.64%1.65%$1,000

* Annual Percentage Yield as of MM/DD/YYYY

Republic Bank offers two great IRA options for your savings needs:

TRADITIONAL IRA

  • New contributions can be made by anyone under the age of 70 ½ who has earned income and filed a tax return.
  • Interest grows in the account tax-deferred.
  • Distributions can be taken any time after age 59 ½ without IRS penalty.
  • Only $1,000 needed to open a new IRA; or move your retirement funds from an IRA at another bank or your qualified retirement savings plan (if eligible).
 

ROTH IRA

  • New contributions can be made by anyone, without age restriction, who has earned income and filed a tax return.
  • Interest grows in the account tax-free if you maintain a Roth IRA at least 5 years.
  • Distributions can be taken any time after age 59 ½ without IRS penalty or tax.
  • Only $1,000 needed to open or move your retirement funds from an IRA at another bank or your qualified retirement savings plan (if eligible).

** Consult a tax advisor for more details.

Minnesota Content

This product is not available in your market area.


Tennessee Content

Good for you! You’ve made a commitment to invest in an IRA for your future!

An IRA is an interest-bearing savings account that allows individuals to set aside money in certificates of deposit for retirement savings. Consult a tax advisor regarding your IRA eligibility and possible tax deductions**. Early withdrawal penalty may apply and will reduce earnings.

Current IRA CD terms and rates:

rates_ira_KYIN table
TermInterest RateAPY*Minimum to Open
12-month1.83%1.85%$1,000
18-Month1.83%1.85%$1,000
36-month1.64%1.65%$1,000
60-month1.64%1.65%$1,000

* Annual Percentage Yield as of MM/DD/YYYY

Republic Bank offers two great IRA options for your savings needs:

TRADITIONAL IRA

  • New contributions can be made by anyone under the age of 70 ½ who has earned income and filed a tax return.
  • Interest grows in the account tax-deferred.
  • Distributions can be taken any time after age 59 ½ without IRS penalty.
  • Only $1,000 needed to open a new IRA; or move your retirement funds from an IRA at another bank or your qualified retirement savings plan (if eligible).
 

ROTH IRA

  • New contributions can be made by anyone, without age restriction, who has earned income and filed a tax return.
  • Interest grows in the account tax-free if you maintain a Roth IRA at least 5 years.
  • Distributions can be taken any time after age 59 ½ without IRS penalty or tax.
  • Only $1,000 needed to open or move your retirement funds from an IRA at another bank or your qualified retirement savings plan (if eligible).

** Consult a tax advisor for more details.

Ohio Content

Good for you! You’ve made a commitment to invest in an IRA for your future!

An IRA is an interest-bearing savings account that allows individuals to set aside money in certificates of deposit for retirement savings. Consult a tax advisor regarding your IRA eligibility and possible tax deductions**. Early withdrawal penalty may apply and will reduce earnings.

Current IRA CD terms and rates:

rates_ira_OH table
TermInterest RateAPY*Minimum to Open
12-month1.83%1.85%$1,000
18-Month1.83%1.85%$1,000
36-month1.64%1.65%$1,000
60-month1.64%1.65%$1,000

* Annual Percentage Yield as of MM/DD/YYYY

Republic Bank offers two great IRA options for your savings needs:

TRADITIONAL IRA

  • New contributions can be made by anyone under the age of 70 ½ who has earned income and filed a tax return.
  • Interest grows in the account tax-deferred.
  • Distributions can be taken any time after age 59 ½ without IRS penalty.
  • Only $1,000 needed to open a new IRA; or move your retirement funds from an IRA at another bank or your qualified retirement savings plan (if eligible).
 

ROTH IRA

  • New contributions can be made by anyone, without age restriction, who has earned income and filed a tax return.
  • Interest grows in the account tax-free if you maintain a Roth IRA at least 5 years.
  • Distributions can be taken any time after age 59 ½ without IRS penalty or tax.
  • Only $1,000 needed to open or move your retirement funds from an IRA at another bank or your qualified retirement savings plan (if eligible).

** Consult a tax advisor for more details.

Northern Kentucky Content

Good for you! You’ve made a commitment to invest in an IRA for your future!

An IRA is an interest-bearing savings account that allows individuals to set aside money in certificates of deposit for retirement savings. Consult a tax advisor regarding your IRA eligibility and possible tax deductions**. Early withdrawal penalty may apply and will reduce earnings.

Current IRA CD terms and rates:

rates_ira_NKY table
TermInterest RateAPY*Minimum to Open
12-month1.83%1.85%$1,000
18-Month1.83%1.85%$1,000
36-month1.64%1.65%$1,000
60-month1.64%1.65%$1,000

* Annual Percentage Yield as of MM/DD/YYYY

Republic Bank offers two great IRA options for your savings needs:

TRADITIONAL IRA

  • New contributions can be made by anyone under the age of 70 ½ who has earned income and filed a tax return.
  • Interest grows in the account tax-deferred.
  • Distributions can be taken any time after age 59 ½ without IRS penalty.
  • Only $1,000 needed to open a new IRA; or move your retirement funds from an IRA at another bank or your qualified retirement savings plan (if eligible).
 

ROTH IRA

  • New contributions can be made by anyone, without age restriction, who has earned income and filed a tax return.
  • Interest grows in the account tax-free if you maintain a Roth IRA at least 5 years.
  • Distributions can be taken any time after age 59 ½ without IRS penalty or tax.
  • Only $1,000 needed to open or move your retirement funds from an IRA at another bank or your qualified retirement savings plan (if eligible).

** Consult a tax advisor for more details.

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