• Turn Your Dream Retirement Into Reality

    Make sure your retirement was worth the wait.

    Find out if an IRA is right for you

    It is never too early (or too late) to start saving for retirement. Whether you already have existing retirement accounts or want to open one for the first time we have options for you: 

    • Optimal IRAs: Earn higher rates with higher balances in a liquid account
    • IRA CDs: Provide locked in rates for the term of your choice from 32 days to 10 years 

    Contributions to your IRA are often tax-deductible and can lower your taxable income to encourage saving for retirement. Consult your tax advisor for more information about IRAs. 

    Choose your IRA option

    You can choose to contribute up to $5,500 in 2013 and 2014 (provided your total income for the year is $5,500 or more). And if you are 50 or older, you can add in an additional $1,000 as a catch-up contribution.

    Discover the benefits of an IRA

    When you’ve worked hard all your life, you deserve some rest and recreation. So when the time comes, make sure your retirement is everything you hoped it would be.

    Optimal IRA: 

    • Open with just $50
    • Pay no monthly service fee 

    IRA CD:  

    • Open with just $500
    • Lock in your term and rate

    Understand IRA terms and conditions

    Like all IRA accounts, your Optimal IRA or IRA CD is intended for retirement. Therefore, there is a significant penalty to withdraw funds under the age of 59 & 1/2.

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First Niagara does not provide tax advice. Please consult your tax advisor.
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