It's never too early - or too late - to start saving for retirement or your child's education with a tax-advantaged account from PlainsCapital Bank. Our certificate of deposit IRAs and Coverdell Education Savings Accounts offer tax benefits and attractive rates in fixed-term, FDIC-insured accounts. And, it only takes $100 to start turning your future dreams into reality.
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Traditional IRAs
With a Traditional Individual Retirement Account, your annual contributions may be tax-deductible--you'll pay no taxes on your earnings until you withdraw them.
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Roth IRAs
With a Roth IRA, contributions are not tax-deductible, but qualified withdrawals--including earnings--are tax-free.
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Coverdell Education Savings Accounts
Save for your child's education with a CESA. You can enjoy tax-free earnings and tax-free withdrawals for educational expenses.
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Changing Employers? Don't Cash Out, Roll it Over
If you leave your job or retire, you don't have to cash out your qualified retirement plan. You can keep the the tax-deferred status of your funds by rolling them directly into a Traditional or Roth IRA.
Please consult your tax professional for tax rules regarding IRAs. Rollovers are subject to normal IRA conversion contribution rules.