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Business Individual Retirement Accounts (IRAs)

Helping business owners save for the future.


No FeesNo fees means more money stays in your account

A wide range of IRA PlansFrom traditional IRAs to SEPs, you can customize your solution.

Customize IRAs to your goalsYour IRA can include mutual funds, stocks, bonds, CDs, and more.


  • Business IRAs can help you achieve your retirement savings goals as you enjoy tax deferral benefits
  • Prosperity Bank offers the following IRA Plans for you and your employees:
    • Traditional IRA
    • Roth IRA
    • Roth Conversion IRA
    • Coverdell Education Savings Account (CESA)
    • Conduit IRA
    • Health Savings Accounts
    • Simplified Employee Pension Plan (SEP)
  • A local in-branch expert can help you select the IRA Plan based on your age, income and retirement goals

Get the advantage of retirement savings accounts with no account fees or minimums to open. Small business owners and self-employed individuals will also get simplified plan management and specialized customer service—24 hours a day, 7 days a week.*
You will not be charged administrative or account maintenance fees.**

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Frequently asked questions

What kinds of investments can go into my IRA?

You have more options than ever, including stocks, bonds, mutual funds, ETFs and more. A Prosperity Bank expert at your nearest branch can help you decide on the specific investments that make the most sense for you and your retirement goals.

Why should I consider an IRA instead of a regular savings account?

An IRA can offer you significant tax benefits, plus your money grows tax-deferred, unlike in a traditional savings account. An IRA can help most investors achieve their retirement goals faster.

What’s the difference between an IRA and a ROTH IRA?

With traditional IRAs, your contributions are tax-deductible. Once you retire, your withdrawals are considered taxable income. Roth IRAs are after-tax accounts, meaning you pay tax on your money now, but the funds in your account receive tax-free treatment once you retire.

What is the contribution deadline?

The IRA contribution deadline is typically April 15, the same day as the tax return deadline, but can vary depending on the year.

To find out more about Prosperity Bank IRAs, please contact the Prosperity Bank nearest you.

Subject to change without notice at Prosperity Bank's discretion and/or as required or allowed by law.

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