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Home Bank Savings Roth IRA

Invest today. Enjoy more tomorrow

A Roth IRA lets you put after-tax money aside now, so qualified withdrawals in retirement are tax-free.

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Give tomorrow a head start.

Competitive Dividends

Your contributions don't just sit there. They earn dividends at a competitive rate, putting your money to work from day one.

Tax-free Withdrawals

Starting at age 59 1/2.

Flexibility

Savings may help pay for a home or education expenses, consult a tax professional for eligibility.

Contribute Up to $7,500 a Year

With a minimum opening deposit of just $1, it's easy to start building your savings today. 50 or older? You can contribute up to $8,600!

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SAVING FOR RETIREMENT

How your Roth IRA works.

Start saving. Keep living.

  • Tax-free growth and tax-free qualified withdrawals in retirement.
  • You're in control of your contributions. Add money throughout the year, or contribute when it works best for your budget, up to the annual IRS limits.
  • Timing matters. Taking money out before age 59 1/2 may mean taxes plus an additional IRS penalty.
  • Competitive dividend rate applied from the day you open your account.
  • No monthly maintenance fees.
  • Easy account management online or in branch, whichever works best for you.
  • For full contribution eligibility requirements, speak with one of our financial specialists or visit IRS.gov.
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Your Traditional IRA questions, answered.

The ones we hear most. Answered plainly, without the fine print.

Any adult 18 or older with earned income can open a Roth IRA.

The annual individual contribution limit for 2026 is $7,500 and $8,600 if you're age 50 or older. 

Yes! Although it may affect whether your contribution is tax-deductible.

No. Contributions are made with after-tax money. 

A Roth IRA Money Market Account offers flexible savings with ongoing contributions, while a Roth IRA Share Certificate provides a fixed dividend rate for a specific term in exchange for keeping funds on deposit until maturity.

Disclaimer

Arise Financial does not provide legal or tax advice. This information is general and educational in nature and should not be considered legal or tax advice. Consult an attorney or tax professional to guide your specific situation.