Individual Retirement Accounts (IRAs)

With your goals and our experience, we can work together to put a retirement plan into action. We
offer Traditional and Roth IRAs. Consult your tax advisor concerning your tax status. 

  • Traditional IRA
This IRA features tax-deductible contributions. Penalty-free withdrawals occur after reaching 59½ years of age or may be available for several other reasons including college expenses and the purchase of a first home. See Rates

  • Roth IRA
Contributions to a Roth IRA are not tax-deductible, but withdrawal of funds including earnings past age 59½ is tax-free assuming the account has been held for at least 5 years. See Rates

Health Savings Account (HSA)

An HSA is a tax-free account that can be used to pay for medical expenses for individuals covered under a qualified high deductible health plan. Contributions are tax deductible and interest earned in an HSA grows tax-free. For more information on eligibility qualifications and contribution requirements, please consult your tax advisor. Visit or call your nearest United Community Bank Office to open your HSA. See Rates VIEW DEMO