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

Year	Contribution Limit	Over Age 50
2013 & After	$5,500	$6,500

See our current rates.  Start saving today!