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We offer variable and fixed rate IRAs to help you meet your financial goals. Whether you’re rolling over an IRA or opening your first, we can help you safely invest in a Traditional or Roth IRA.

Traditional IRA Profile

  • Tax deductible contributions (depending on income level)
  • Withdraws begin at age 59 1/2 and are mandatory by 70 1/2.
  • Taxes are paid on earnings when withdrawn from the IRA
  • Available to everyone; no income restrictions
  • All funds withdrawn (including principal contributions) before 59 1/2 are subject to a 10% penalty (subject to exception).

Roth IRA Profile

  • Contributions are not tax deductible
  • No mandatory distribution age
  • All earnings and principal are 100% tax free if rules and regulations are followed
  • Available only to single-filers making up to $105,000 or married couples making a combined maximum of $166,000 annually.
  • Principal contributions can be withdrawn any time without penalty (subject to some minimal conditions).

Online Banking

ESB Locations & Hours

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Edmonton State Bank Product Features

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