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Save for later. Feel good about now.

A Traditional IRA is a smart way to invest in your future while enjoying valuable tax advantages today.

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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-deferred Growth

Dividends earned in your Traditional IRA grow tax deferred.

Potential Tax Deductions

Making contributions may save you money at tax time.

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 Traditional IRA works.

Start saving. Keep living.

  • A Traditional IRA is designed to help you save specifically for retirement.
  • You may get a tax break today. Depending on your income and other factors, your contributions may be fully or partially tax-deductible. Check with your tax professional to confirm your available tax benefits.
  • Your money gets room to grow. Earnings grow tax-deferred, so you generally won't pay taxes on them until you take your money out.
  • 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.
  • Distributions are taxable in retirement. Since you may get tax advantages while saving, distributions are typically taxed as ordinary income when withdrawn.
  • 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 Traditional 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.

Generally, yes. Depending on your income and other factors, your contributions may be fully or partially tax-deductible. Always consult your tax professional for details.

A Traditional IRA Money Market Account offers flexible savings with ongoing contributions, while a Traditional 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.