IRAs

Take up a new sport. Start a nonprofit. Circumnavigate the globe. Whatever your version of a happy retirement looks like, set yourself up for it with an Individual Retirement Account (IRA) from Heartland Bank, a division of German American Bank.  Your retirement dollars will grow safely and securely with competitive rates and possible tax advantages (consult your tax advisor). 

Did you know? About half of all American workers don’t have access to an employer-sponsored retirement plan.* It’s never too early to plan, and a high-interest IRA lets you save for the future at your pace. Even if you’re already contributing, you have an opportunity to realize income tax deductions or deferrals, depending on the program. Traditional and Roth IRAs are both good options. Start early and earn a lifetime of compounded interest.

Choose from Traditional or Roth IRAs, as well as IRA certificates of deposit (IRA CD). Use our online retirement calculators to evaluate different financial scenarios and explore your options, then reach out to discuss the best approach for you. 

Features & Benefits

• Competitive interest earned on account balance*
• FDIC-insured up to $250,000 per account
• $1,000 minimum balance to open IRA CD
• Early withdrawal penalties apply