Individual Retirement Accounts (IRAs)

Make the tax-deferred feature of an ALMA IRA an important part of your long-term financial planning.*

ALMA offers a wide variety of IRAs with fixed rates and fixed-terms. These IRAs will earn a set rate of interest until maturity. We have an IRA for almost everyone: Traditional IRA, Roth IRA, Roth Conversion Plan, Education IRA, Simplified Employee Pension, and Simple Retirement Plans.

Interest rate and annual percentage yield (APY) remain constant for the term of the account
Terms offered are 1 / 2 / 3 / 4 / 5 years.
Minimum opening balance of $2,500
Conveniently renews automatically at maturity
Transfers and IRS qualified withdrawals at maturity are penalty free
Early withdrawal penalties may apply if you decided to close your Time Deposit account prior to maturity date or after grace period is over

* We suggest you consult your personal tax or legal advisor before making a tax or legal related investment decision.

Open An Account

Give us a call718-267-ALMA (2562)