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Individual Retirement Accounts (IRAs)

Build Or Add To Your Retirement Nest Egg

Individual retirement accounts (IRAs) are one of the most viable answers to the question of how to assure a secure retirement. Diamond offers Traditional and Roth IRAs.

IRAs. Three golden eggs in a birds nest. One egg has coins and a dollar bill, one has the word "Roth IRA" and the the other has the word "IRA" on them.Traditional IRA

Traditional IRAs allow tax-deductible contributions and the amount in your IRA can grow tax-free. Your contributions and gains are taxed when distributed. Anyone who has earned income, or is filing jointly with a spouse who has earned income, may contribute.

Roth IRA

Roth IRA contributions are not tax-deductible, however, all withdrawals, including earnings, are generally tax-free if the account has been open for at least five years and the account holder is 59½ or older.

Contribution Limits

For either a Traditional IRA or Roth IRA, the current contribution limit for 2025 is $7,000, with a catch up of an additional $1,000 for those 50 years of age or older. It is best to contact a financial or tax advisor regarding your eligibility contribution limit based on your income.

What You Should Know About IRAs:

  • Share Certificates and Money Market IRAs available.
  • Earn a market-leading interest rate.
  • Your funds are federally insured up to $250,000.
  • Choose the IRA investment option(s) that suit your needs.
  • Use the IRA Accumulation Account to accumulate deposits. Invest in an IRA Certificate or Money Market account at a better rate when you’ve reached your desired amount.

Deposit Disclosure

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