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We’ve helped four generations of Oklahomans save for retirement. Plan for your future — starting now.

Key Features

  • Competitive Interest
  • Tax Advantages1
  • No Setup or Maintenance Fees
  • Competitive interest above standard savings rates
  • No income limits to open a traditional IRA
  • No minimum contribution requirement
  • Contributions are tax deductible on state and federal income tax1
  • Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
  • Withdrawals can begin at age 59 ½
  • Early withdrawals subject to penalty2
  • Mandatory withdrawals at age 70 ½
  • No setup fees
  • No monthly or annual maintenance fees
  • Annual contribution limits apply (see current contribution limits; $6,000 as of 2019)
  • Additional $1,000 "catch-up" contribution allowed for ages 50+
  • Funds can be used to purchase CDs within IRA
  • $500 minimum deposit to open

1Consult a tax advisor.

2Certain exceptions apply, such as healthcare, purchasing first home, etc.

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