Personal

IRAs

Save for your retirement years!

A CSB local expert will show you how.


Individual Retirement Accounts (IRAs) are a convenient way to provide income for your retirement years. Taxes on the earnings from your IRA are deferred until you begin withdrawing the money after age 59 ½ . You can count on a guaranteed rate of interest for a specified time when you invest your IRA in a certificate of deposit at CSB. Select from variable or fixed rates with a wide choice of terms. All term accounts renew automatically at rates being paid at that time. There may be a substantial penalty for early withdrawal.

 

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Traditional IRA


A Traditional IRA allows you to contribute pre-tax dollars to a retirement account where investments grow tax-deferred until withdrawal during retirement. A Traditional IRA may also allow you to deduct current year contributions from your taxable income. Upon retirement, withdrawals are taxed at your current income tax rate.


CD IRA  Wealth Management IRA*

 

*CSB Wealth Management, Trust, and or brokerage products and services are; not insured by the FDIC; not a deposit or other obligation of, or guaranteed by, the depository institution; subject to investment risks, including possible loss of the principal amount invested.

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A Roth IRA is funded with after-tax dollars, so it does not afford a current year tax deduction like a Traditional IRA. However, it offers tax-free growth and tax-free withdrawals in retirement.


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*CSB Wealth Management, Trust, and or brokerage products and services are; not insured by the FDIC; not a deposit or other obligation of, or guaranteed by, the depository institution; subject to investment risks, including possible loss of the principal amount invested.

Image of Dawn Butler helping a customer SEP IRA

 
A Simplified Employee Pension (SEP) IRA is a traditional IRA for self-employed or owners of a small business. The company contributes funds into each individual’s account and employees are prohibited from adding their own contributions. The contribution limits are much higher than other IRA options allowing business owners to provide retirement savings for themselves and employees in a simple manner.

 

Speak to a Local Expert

*CSB Wealth Management, Trust, and or brokerage products and services are; not insured by the FDIC; not a deposit or other obligation of, or guaranteed by, the depository institution; subject to investment risks, including possible loss of the principal amount invested.

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Powered by Cetera Investment Services

With multiple ways to invest money and enjoy a good return, we provide you with the full spectrum of investment products, commonly offered by brokerage firms. 

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Brokerage services are Not FDIC Insured, Not Bank Guaranteed, May Lose Value.

 
 
 
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