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Individual Retirement Accounts (IRAs)

The ideal investment tool to help you realize your retirement goals.


Local Investment ExpertsWe can help you choose the right IRA for your needs

Your IRA, your way From a traditional IRA to a ROTH IRA and beyond, we offer you a number of options

Competitive rates & termsMatch your IRA to your investment goals

Account Features

An Individual Retirement Account (IRA) can help you meet your retirement savings goals, and offer tax benefits to those who are eligible. Ask one of our representatives about which Individual Retirement Account option could be right for you. 

  • Traditional IRA
  • Roth IRA
  • Roth Conversion IRA
  • Coverdell Education Savings Account (CESA)
  • Health Savings Accounts
  • Simplified Employee Pension Plan (SEP)
To find out more about Prosperity Bank IRAs, please contact the Prosperity Bank nearest you. 

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Frequently asked questions

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 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.


Subject to change without notice at Prosperity Bank's discretion and/or as required or allowed by law. Consult with your tax preparer for any tax related questions.

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