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Open a Roth IRA Today!

America First's Roth IRA may be for you if you'd prefer to pay taxes on your retirement now instead of later. Your options include opening a Roth IRA Accumulator, with no minimum deposit required; a Roth IRA Certificate with a $500 minimum deposit; and/or a Roth Dedicated Savings Account with no minimum deposit and an automatic transfer of at least $10 per month.

Benefits of Roth IRAs:


  • Accrue Tax-free earnings if you meet certain conditions
  • Deposit money after taxes
  • Withdraw the entire amount tax-free after five years if:
  • You are 59½ or older, or
  • You are a first-time home buyer, or
  • You are disabled, or
  • You are a beneficiary of the deceased owner.


The following chart demonstrates the additional benefits of a Roth IRA:

* Based on contributions of $2,000 at the beginning of the year for 5, 10, 15, or 20 years with earnings compounded annually. Assumes proceeds are withdrawn without penalty at year-end.

Traditional IRA figures assume you are in the 28% tax bracket when the contributions are made and shows how much is available after tax if your tax rate drops, holds steady, or rises. Traditional IRA balances assume the annual tax savings were reinvested in a taxable account and combined with the IRA balance upon withdrawal.

Source: Deloitte and Touche

Comparing Traditional & Roth IRAS

Determine your Own Tax Schedule

A Roth IRA might be right for you.