Individual Retirement Accounts (IRAs) | Sunstate Bank
Personal
Personal

Individual Retirement Accounts (IRAs)

Main

Plan for Tomorrow. Save with Confidence Today.

A comfortable retirement starts with smart planning - and the earlier you begin, the better. With an IRA from Sunstate Bank, you can grow your savings tax-advantaged and enjoy peace of mind knowing your future is in good hands.

Whether you're just getting started or rolling over existing retirement funds, we’ll guide you every step of the way.

Contact Us  Compare Accounts

An older couple walking on the beach

Why Open an IRA?

Tax-Advantaged Growth

Choose between Traditional and Roth IRAs depending on your tax situation - both designed to grow your savings over time.

Safe & Secure

Funds are held in insured deposit accounts, giving you a reliable foundation for retirement.

Ideal for Rollovers & Transfers

Easily move retirement funds from a previous employer or another institution.

Personalized Guidance

Our team is here to help you choose the right IRA type based on your financial goals and timeline.

FDIC Insured

Your IRA deposits are protected up to $250,000 - separate from your other Sunstate accounts.

Why Choose Sunstate for Your IRA?

  • Over 25 years serving our community
  • Personalized support from experienced bankers
  • FDIC-insured options to protect your retirement savings
  • Multilingual service (English, Spanish, Portuguese)
  • Voted Miami-Dade’s Favorite Bank in 2023 & 2024

Account Snapshot

Feature Details
Minimum Opening Deposit None
Contribution Limits Set annually by the IRS (currently $7,000/year, or $8,000 if 50+)1
Withdrawal Rules Penalties may apply for early withdrawals (under age 59½), unless exceptions apply
Interest Variable or Fixed
FDIC Insurance Up to $250,000 separately from other deposit accounts

Start Building Your Retirement Fund

Schedule a consultation or visit one of our branches in Coral Gables, West Miami, or The Falls - we’ll help you open or roll over your IRA with confidence.

1 IRA contribution limits are set by the IRS and may change annually. Always consult a tax advisor for specific guidance.