American Community Bank

An individual retirement account (IRA) is a qualified savings plan set up to save for your retirement benefit. We offer Traditional IRA's, Roth IRA's, and SEP's. Our IRA's offer a reliable return with our IRA Certificates and are FDIC insured up to $250,000. Whatever your long-term retirement goals are, we have an IRA option to meet your needs. Please contact a Relationship Banker for full details and current contribution limits.

Traditional IRA

  • Contributions¬† can be tax-deductible
  • Earnings grow tax deferred
  • Withdrawals during retirement are subject to federal income tax

Roth IRA

  • Established with after-tax contributions
  • Contributions are not tax deductible
  • Earnings grow tax-free


  • A Simplified Employee Pension IRA
  • Designed for self-employed individuals and small business
  • Qualified employees receive employer contributions


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