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Plan for a future filled with travel, entertainment, and lots of relaxation. Take one more step towards your retirement by opening an IRA (Individual Retirement Account) at ESB Financial and take part in the tax savings and selection we have to offer.

Or save for you or your children's educational expenses in the future with our flexible Education IRA.

  • Tax-advantaged way to save for your retirement or education*
  • Earn higher interest than regular savings
  • Different IRAs available for different needs:
    • Roth
    • Traditional
    • Educational
  • Annual contribution limits
  • Additional $1,000 "catch up" contributions for ages 50+
  • Use funds to purchase CDs, stocks, bonds, etc. within IRA
  • FDIC insured up to $250,000

It is important to find the IRA that is right for you.


Offers you a tax deduction right now. This is a smart choice if you anticipate paying taxes at a significantly lower rate in retirement.


A more flexible investment because you can withdraw regular contributions at any time, tax-free, penalty-free. The principle amount for a Roth IRA is never subject to tax or penalties in the future, within the contribution guidelines, since the money you contribute is already taxed. You also are not required to take mandatory distributions at age 70½.


Requires no deductible, while offering you tax-free withdrawals to pay for higher education expenses such as tuition, books, supplies and equipment. The Education IRA, now known as a Coverdell ESA, can also cover elementary and high school expenses at most public, private and parochial schools.

Please contact your personal banker for additional information, including IRA rollovers, early withdrawal penalties, contribution limits and general account requirements.

*Consult your tax advisor.
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