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Individual Retirement Accounts (IRAs)
H&R Block Bank makes it easy to save for retirement while earning great rates! Our IRAs are FDIC-insured up to
$250,000 and we offer a variety of terms to meet your needs.*
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Account Options
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Easy IRA
The H&R Block Easy IRA may be the best alternative if you are saving
for longer-term financial goals, like education, a first home or
retirement. With an H&R Block Easy IRA, you can choose either a Roth or
Traditional IRA, based on your unique situation and savings goals.
The H&R Block Easy IRA provides:
- 2.00% Annual Percentage Yield**
- FDIC insurance up to $250,000
- Initial contribution can be as little as $300
- Potential tax breaks and savings on current year tax return
Apply Now
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Traditional IRA
A traditional IRA allows you to save money tax-free while earning interest
until age 70½. Contributions, while taxable upon withdrawal, are tax deductible.
Once you mail us your initial contribution, and your account is open and funded,
we'll send you a Welcome Kit with information about your new IRA.
Apply Now
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Roth IRA
A Roth IRA gives you the chance to save money tax-free while earning interest until any age, as long as you
continue to earn income. Withdrawals are not taxed, but contributions are not tax deductible. Once you mail us your
initial contribution, and your account is open and funded, we'll send you a Welcome Kit with information about
your new IRA.
Apply Now
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Self-employed Plan (SEP) IRA
A SEP-IRA business retirement plan is ideal for independent contractors, partnerships and many businesses with
relatively few employees. Once you mail us your initial contribution, and your account is open and funded,
we'll send you a Welcome Kit with information about your new IRA.
Apply Now
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* Note: There is no minimum balance requirement to earn interest. The interest rate and fees associated with these accounts are
subject to change at the discretion of the Bank and without prior notice. Fees and rates are also subject to change after account
opening. Fees will reduce earnings on the account. Please see your fee disclosure and account agreement for details. The H&R
Block Easy IRA interest will accrue daily and be credited monthly. If you close your account prior to the crediting of interest,
you will not receive the accrued interest.
** Annual Percentage Yield effective May 09, 2008. Rates are variable and subject to change.