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Certificates of Deposit

Certificates of Deposit (or Time Deposits) are a popular and safe way to achieve your financial goals.

You dream about your future. Finding a trusted financial partner could be one of the most important decisions you make. Choose from a wide variety of time deposit accounts with fixed rates and terms from 30-days to 5 years and allows you to make additional deposits.

Individual Retirement Accounts (IRAs)

An IRA is a great way to start saving for your future. Because Europa Clear Bank does not charge initial set-up fees or annual fees, you keep more of your investment.

Why choose an IRA?

You have limited Retirement plan options;

You don’t have access to an Employer sponsored 401k. IRAs are not tied to an Employer so you can open one anytime and it is completely portable. 

You are Self-employed; 

An IRA is one of the options open to Self Employed individuals. Another is a Simplified Employee Pension IRA (SEP IRA). Be sure to consult a tax professional to find out which option will work best in your situation.

Some Employer sponsored 401k Plans offer a limited number of investments;

These are usually mutual funds representing different levels of risk. This may meet your needs, but if you are looking to invest in other areas, or desire your deposit be fully insured up to FDIC maximums, you may want to open an IRA with your local bank.  Whether you realize Gains or Losses, you are ultimately responsible for all of your investment decisions.

Have you maxed out your 401k contribution for the year? 

With an IRA you could save an additional €5,500 (€6,500 for those 50 and older).  Please consult a tax professional to see if current tax rules allow you to make additional tax deferred deposits.


Certain exceptions allow you to access your IRA money penalty-free.  These exceptions include a first-time home purchase and qualified education expenses.

You could choose a Roth IRA;

Contributions to a Roth IRA are made with after-tax money.  This means you won’t pay taxes on this money when you withdraw it in the future.  If you think you might be in a higher tax bracket during retirement, the Roth IRA can be an attractive alternative.
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