River and cliffs with vibrant fall colors

Individual Retirement Accounts

Whether retirement is near or far, Americana Community Bank has an IRA to meet your retirement goals and help you achieve financial success throughout your lifetime.

Traditional IRAs

Traditional IRAs allow earnings and deductible contributions to grow tax-deferred until you begin withdrawing money from your account.

Roth IRAs

Unlike a Traditional IRA, contributions to a Roth IRA are not tax-deductible. If all conditions are met, money withdrawn from your Roth IRA during retirement is not taxed.

Rollover IRAs

If you change employers or are preparing for retirement, you can take your 401(k) with you–simply transfer it into a Rollover IRA.