{"id":14660,"date":"2023-10-24T23:25:29","date_gmt":"2023-10-24T23:25:29","guid":{"rendered":"https:\/\/suntonikonline.com\/us\/home\/?page_id=14660"},"modified":"2025-10-31T21:41:25","modified_gmt":"2025-10-31T21:41:25","slug":"ira","status":"publish","type":"page","link":"https:\/\/suntonikonline.com\/us\/home\/ira\/","title":{"rendered":"IRAs"},"content":{"rendered":"<div id=\"cmsmasters_row_v6wvllboh\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_pjlfp7ikba\" class=\"cmsmasters_column one_half\">\n<div class=\"cmsmasters_column_inner\"><div id=\"cmsmasters_fb_nmocoblea\" class=\"cmsmasters_featured_block\">\n<div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-14671 size-full\" src=\"https:\/\/suntonikonline.com\/us\/home\/wp-content\/uploads\/2023\/10\/cuteoldies17.jpg\" alt=\"\" width=\"400\" height=\"600\" srcset=\"https:\/\/suntonikonline.com\/us\/home\/wp-content\/uploads\/2023\/10\/cuteoldies17.jpg 400w, https:\/\/suntonikonline.com\/us\/home\/wp-content\/uploads\/2023\/10\/cuteoldies17-200x300.jpg 200w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<div id=\"cmsmasters_column_6rf377l5xg\" class=\"cmsmasters_column one_half\">\n<div class=\"cmsmasters_column_inner\"><div id=\"cmsmasters_heading_hbeh4cbupr\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h4 class=\"cmsmasters_heading\">Plan Smarter. Retire Stronger.<\/h4>\n<\/div><div id=\"cmsmasters_heading_efpjp42ct\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\">Individual Retirement Accounts (IRAs)<\/h2>\n<\/div><div class=\"cmsmasters_text\">\n<p>Suntonik Bank\u2019s <strong>IRA Accounts<\/strong> help you build a secure retirement with tax-advantaged savings options, flexible terms, and guaranteed returns\u2014so you can enjoy peace of mind today and tomorrow.<\/p>\n<p><strong>Types of IRAs We Offer:<\/strong><\/p>\n<h4>\ud83d\udfe6 Traditional IRA<\/h4>\n<ul>\n<li>Contributions may be <strong>tax-deductible<\/strong><\/li>\n<li>Earnings grow <strong>tax-deferred<\/strong> until withdrawal<\/li>\n<li>Ideal if you expect to be in a lower tax bracket at retirement<\/li>\n<\/ul>\n<h4>\ud83d\udfe9 Roth IRA<\/h4>\n<ul>\n<li>Contributions are made with <strong>after-tax dollars<\/strong><\/li>\n<li>Earnings and withdrawals are <strong>tax-free in retirement<\/strong> (if qualified)<\/li>\n<li>Ideal for younger savers or those expecting a higher tax rate later<\/li>\n<\/ul>\n<p><strong>IRA Account Features:<\/strong><\/p>\n<ul>\n<li>Competitive fixed interest rates (CD-style options available)<\/li>\n<li>No setup or monthly maintenance fees<\/li>\n<li>FDIC insured up to $250,000<\/li>\n<li>Terms from 1 to 5 years<\/li>\n<li>Flexible contribution options<\/li>\n<li>Secure online access and U.S.-based retirement support team<\/li>\n<\/ul>\n<p><strong>2025 Contribution Limits:<\/strong><\/p>\n<ul>\n<li>Up to <strong>$7,000\/year<\/strong> (or <strong>$8,000<\/strong> if age 50+)<\/li>\n<li>Subject to IRS eligibility and income limits<\/li>\n<\/ul>\n<p><strong>Why Choose a Suntonik IRA?<\/strong><\/p>\n<ul>\n<li>Safe, low-risk retirement savings<\/li>\n<li>Personalized account support<\/li>\n<li>Clear and simple investment structure<\/li>\n<\/ul>\n<p><strong>Start Planning Today.<\/strong><br \/>\nOpen your Suntonik IRA and take control of your financial future.<\/p>\n<\/div>\n<div id=\"cmsmasters_divider_p2jy2fs3j9\" class=\"cl\"><\/div>\n<div id=\"cmsmasters_button_jqpsse3nc9\" class=\"button_wrap\"><a href=\"https:\/\/suntonikonline.com\/accounts\/\" class=\"cmsmasters_button\"><span>Open an IRA<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-14660","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/suntonikonline.com\/us\/home\/wp-json\/wp\/v2\/pages\/14660","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/suntonikonline.com\/us\/home\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/suntonikonline.com\/us\/home\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/suntonikonline.com\/us\/home\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/suntonikonline.com\/us\/home\/wp-json\/wp\/v2\/comments?post=14660"}],"version-history":[{"count":4,"href":"https:\/\/suntonikonline.com\/us\/home\/wp-json\/wp\/v2\/pages\/14660\/revisions"}],"predecessor-version":[{"id":15771,"href":"https:\/\/suntonikonline.com\/us\/home\/wp-json\/wp\/v2\/pages\/14660\/revisions\/15771"}],"wp:attachment":[{"href":"https:\/\/suntonikonline.com\/us\/home\/wp-json\/wp\/v2\/media?parent=14660"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}