Retirement Solutions

Ponce De Leon Federal Bank offers Traditional, Roth and Education IRA options to fit your needs. For more information on which Individual Retirement Account (IRA) is perfect for you, please contact us.

Individual Retirement Accounts

  • Available as Savings Accounts and as Certificates of Deposits with terms from 1 to 60 months.
  • 1-6 months open with a minimum of $500. 12-60 months open with a minimum of $1,000.
  • Additional contributions are not permitted during the term of the Certificate of Deposit.
  • Annual contributions subject to limitations.

Traditional IRA

  • Your money grows on a tax deferred basis
  • You make contributions to your IRA and deduct them on your taxes
  • Required Minimum Distributions begin at age 70 ½

Roth IRA

  • Tax-free accumulation of funds.
  • Flexibility to withdraw your money without age limitations (must meet qualified distribution requirements).

Coverdell Education Savings Account

  • Contributions are tax-deductible.
  • Withdraw without tax penalty if used for certain education purposes.


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