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You are never too young to begin planning for retirement! Whether you want to travel the world or just enjoy time with the grandkids, our IRAs ensure financial security for your golden years.

IRAs offer a variety of tax advantages and other features in both traditional and Roth IRAs. We also offer education savings accounts to help you pursue your higher education goals. Talk to one of our friendly experts today and get started right away.

  • Competitive dividends above standard savings rates
  • Traditional and Roth IRA options
  • No setup fees
  • No monthly or annual maintenance fees
  • $5,500 contribution limit per year
  • Additional $1,000 "catch-up" contribution allowed for ages 50+
  • Funds can be used to purchase Certificate within IRA
  • $500 minimum deposit to open

Have a plan with another institution? Kemba is happy to help — roll over your balance hassle free. Just contact one of our representatives to get started:

IRA Service Center – 513-762-5070 / 800-825-3622

Visit our IRA Service Center online to learn more.

Traditional vs. Roth

There are advantages to both traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.

Traditional IRA

  • No income limits to open
  • No minimum contribution requirement
  • Contributions may be tax deductible on state and federal income tax*
  • Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
  • Withdrawals can begin at age 59 ½
  • Early withdrawals subject to penalty**
  • Mandatory withdrawals at age 70 ½

Roth IRA

  • Income limits to be eligible to open Roth IRA***
  • Contributions are NOT tax deductible
  • Earnings are 100% tax free at withdrawal*
  • Principal contributions can be withdrawn without penalty*
  • Withdrawals on interest can begin at age 59 ½
  • Early withdrawals on interest subject to penalty**
  • No mandatory distribution age
  • No age limit on making contributions as long as you have earned income


*Subject to certain conditions. Consult a tax advisor.
**Certain exceptions apply, such as healthcare, purchasing first home, etc.
***Consult a tax advisor.

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