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Individual Retirement Accounts

Saving for retirement and setting your personal goals are the keys to enjoying a secure and enjoyable retirement. Use the tools in our IRA Service Center to help make a plan that works for you. Plus, the money you deposit goes towards funding missions and ministry projects.

Just starting to catch up? We can help you set up a plan to reach your retirement goals. Taxpayers over the age of 50 can make extra IRA contributions each year. You have until April 15, 2022 to make your 2021 IRA contributions.

IRA Options
Money Market
$100 minimum deposit to open
$1,000 minimum deposit to open

There is a $50 fee if the IRA is closed or if funds are transferred to another institution. Penalties for early withdrawal if funds are withdrawn before the age of 59 1/2.


Current rates | Fee schedule

Open an account

Retirement Options with 49 Financial

Individual Retirement Accounts, or IRAs, are a tax-favored way to save more money for retirement. Differences between the two varieties, Traditional and Roth IRAs, relate to the timing of the tax break, eligibility, and withdrawal requirements. The team at 49 Financial can help you review the many considerations when deciding how one or both types of IRAs may fit into your Retirement portfolio.

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Answers to your Retirement Questions

Does the Roth IRA make sense for you?

The IRA Conversion Analyzer™ will assist you in evaluating potential benefits of converting (or not converting) Traditional IRA funds to a Roth IRA.

IRA Conversion Analyzer™▸

Should you use a Traditional IRA or a Roth IRA to save for retirement?

The answer to that question depends on a number of factors. The IRA Selector™ will assist you in evaluating which type of IRA will provide the greatest amount of after-tax income at retirement.

IRA Selector™▸


Use the retirement calculators below to answer common retirement questions and see if you’re on track towards a secure retirement.

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