IRA: Individual Retirement Account

It's all about you, really.

The retirement nest egg that won't crack on you.

Looking to maximize your current income or planning for your future? Bethpage IRA Certificates offer a safe and reliable solution to risky investments.

Traditional or Roth IRAs
Open your IRA Certificate Account with as little as $50
Rollover your existing IRA or 401(k) from a previous employer
Guaranteed return and federally insured for at least $250,000

Opening an IRA Certificate Account is easy.

We’ll answer your questions and handle all paperwork.

Visit your local branch
Or complete the form below:

Get the Bethpage rates that beat the banks.

Products	Bethpage Standard Certificate Rates (APY)*	Regional Bank Average APY^	Bethpage beats the banks by:
6 Month Certificate	%	0.35%	257%
12 Month Certificate	%	0.59%	120%
24 Month Certificate	%	0.70%	114%
36 Month Certificate	%	0.81%	147%
60 Month Certificate	%	1.07%	110%

See all IRA Certificate rates

Which is the right IRA for me?

FAQs	Traditional IRA	Roth IRA
Do I qualify?	Yes. If you or your spouse (filing-jointly) earns taxable income, and you are under 70 ½.	Yes. If you or your spouse (filing-jointly) earns taxable income, regardless of age.
Are there income limits?	No limits.	Single filers must earn less than $117,000. Joint filers must earn less than $184,000.
Can I have a 401(k) at the same time?	Yes.	Yes.
How much can I contribute?	$5,500 to both accounts combined. $6,500 if 50+.
Are contributions tax deductible?*	Yes.	No.
What if I want to make withdrawals?	Withdrawals after age 59 ½ are taxed as regular income. Withdrawals before 59 ½ may be subject to taxes and a penalty.	Withdrawals after age 59 ½ are tax free as long as the account is at least 5 years old. Withdrawals before 59 ½ may be subject to taxes and a penalty.
Do I have to take distributions?	You must take distributions after age 70 ½.	No withdrawal requirements.

* Consult your tax advisor.

It's all about you, really.

Spend more time doing what you dream of doing and we’ll take care of the rest. Paperwork included. Contact us today to get started.

^Data is supplied by Datatrac Inc. as of 9/26/2018.
Data supplied by Datatrac. Rate shown is the average rate for the 10 largest banks in the Long Island, New York area, with a minimum balance of $10,000. Actual credit rates may be different.
*Annual Percentage Yield (APY) effective and is subject to change without notice. Dividends are compounded daily. Fees could reduce earnings. Account activity restrictions may apply. $50 minimum balance to open account and earn APY. Penalties may be imposed for early withdrawal.