Individual Retirement Accounts (IRAs)

Individual Retirement Accounts (IRAs)

For a limited time, we're offering special 17, 27 and 37-month IRA Certificates. Click here to see the rates.


Plan for a richer retirement by opening an IRA with Greater Nevada. These tax-advantaged accounts can help ensure you fully enjoy your golden years. We offer traditional and Roth IRAs with excellent rates. You can get started with as little as $1; the important thing is simply to get started.


Visit our Financial Planning page to find out about a variety of other investment options.

Traditional IRA

Anyone can open a traditional IRA. Contributions can be deducted from current tax returns, and the earnings are tax-deferred (when they'll be subject to a lower tax bracket once you're retired).

  • Dividends may be tax-deferred*
  • Contributions may be deducted from income tax returns*
  • Must be under age 70½ to open
  • $5,000 contribution limit per year
  • Additional $1,000 "catch-up" contribution allowed for ages 59+
  • Withdrawals can begin at age 59½
  • Mandatory withdrawals at age 70½
  • Early withdrawals subject to penalty**
  • Funds are federally insured to $250,000
  • Visit the Online Retirement Center

Check out our current rates.


*Consult your tax advisor for possible tax benefits.

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

Roth IRA

Your income must be less than $95,000 annually ($150,000 for married couples) to open a Roth IRA. While you cannot deduct contributions with a Roth IRA, your earnings are completely tax free upon withdrawal. Another advantage is your principal contributions (but not the interest) may be withdrawn without penalty.

  • Earnings and principal are 100% tax free upon withdrawal
  • Contributions are not tax deductible
  • $5,000 contribution limit per year
  • Additional $1,000 "catch-up" contribution allowed for ages 59+
  • No mandatory distribution age
  • Principal contributions can be withdrawn without penalty*
  • Early withdrawals on interest subject to penalty**
  • Funds are federally insured to $250,000
  • Visit the Online Retirement Center

Check out our current rates.

*Subject to some minimal conditions.

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

Shares or Certificates

Greater Nevada offers you a variety of ways to invest in your IRA. Whether you have a traditional or a Roth IRA, you have a choice to save via an IRA share account or IRA certificate.

An IRA share account requires no minimum balance or term, and pays a variable rate. This is often chosen for a first-time IRA, or for holding your IRA while you decide where to reinvest it.

IRA certificates require a minimum balance and term, but typically pay a higher fixed rate over IRA share accounts.

Check out our current rates.