Merchants State Bank Your hometown bank since 1899
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Roth IRA 


It's never too early to start saving for retirement.  Merchants State Bank offers a no-fee Roth IRA Savings Account.  The convenience and flexibility of this account make it easy to save for retirement.  A Roth IRA holds the following benefits:

  • Investment earnings grow tax-free!
  • Withdrawals of interest and/or principal after five years are tax-free if you are over 59 or will use the funds for first-time home expenses.
  • No age requirements and no mandated minimum distributions.
  • Eligibility to contribute is determined by income levels.

Roth Contribution Limits


Contribution Limit

Ages 50+

2013 & After



See our current rates.  Start saving today!

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