IRAs

Suntonik Bank’s IRA Accounts help you build a secure retirement with tax-advantaged savings options, flexible terms, and guaranteed returns—so you can enjoy peace of mind today and tomorrow.

Types of IRAs We Offer:

🟦 Traditional IRA

• Contributions may be tax-deductible
• Earnings grow tax-deferred until withdrawal
• Ideal if you expect to be in a lower tax bracket at retirement

🟩 Roth IRA

• Contributions are made with after-tax dollars
• Earnings and withdrawals are tax-free in retirement (if qualified)
• Ideal for younger savers or those expecting a higher tax rate later

IRA Account Features:

• Competitive fixed interest rates (CD-style options available)
• No setup or monthly maintenance fees
• FDIC insured up to $250,000
• Terms from 1 to 5 years
• Flexible contribution options
• Secure online access and U.S.-based retirement support team

2025 Contribution Limits:

• Up to $7,000/year (or $8,000 if age 50+)
• Subject to IRS eligibility and income limits

Why Choose a Suntonik IRA?

• Safe, low-risk retirement savings
• Personalized account support
• Clear and simple investment structure

Start Planning Today.
Open your Suntonik IRA and take control of your financial future.