Build the future you look forward to.
With flexible, tax-advantage* retirement options, build a stronger financial foundation for what's ahead.
Why Choose This Savings Account
- Tax-deferred or tax-free growth
- Easy way to diversify your retirement portfolio
- Rollover your previous IRA into this account
An Individual Retirement Account (IRA) is one of the most effective ways to accumulate retirement savings. There are several types of IRAs and they are among the simplest of retirement plans. You can open an Individual Retirement Account with as little as $100.
Learn about our Individual Retirement Account options below. If you don't see what you're looking for on this list, or if you have additional questions, give us a call at 731-925-9001 or stop by one of our convenient locations.
It is recommended that you seek tax advice from your tax advisor to ensure that you select the IRA that best fits your needs. You can choose a maturity term from 6 months to 4 years for a guaranteed interest rate. Early withdrawal penalties may apply.
IRA Plans
We offer many different IRA Plans. The most common used are Traditional and ROTH IRA’s, but we also offer SEP accounts, Beneficiary IRA’s, and Coverdell Education Savings Accounts.
IRA Rollover
If you have received a disbursement from a qualified plan, profit sharing, or have an IRA maturing at another financial institution, you can roll these funds into an IRA and maintain a tax-deferred status on the funds. The funds must be deposited within 60 days of receipt in order to defer taxes until retirement.
IRA Transfer
You can transfer your IRA from another institution directly to The Hardin County Bank. Our staff will be happy to initiate an IRA transfer for you.
*Consult a tax advisor.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Kasasa Cash*
| Level 1 Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $50,000 | $100 | 1.98% | 2.00% |
| $50,000+ | $100 | 0.25% | 0.83% to 2.00% |
| All balances if qualifications not met | $100 | 0.05% | 0.05% |
| Level 2 Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $50,000 | $100 | 3.93% | 4.00% |
| $50,000+ | $100 | 0.25% | 1.50% to 4.00% |
| All balances if qualifications not met | $100 | 0.05% | 0.05% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
LEVEL 1:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking/mobile app at least one time
LEVEL 2:
- At least 20 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking/mobile app at least one time
If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.
Kasasa Saver*
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $150,000 | $100 | 1.49% | 1.50% |
| $150,000+ | $100 | 0.25% | 1.00% to 1.50% |
| All balances if qualifications not met | $100 | 0.05% | 0.05% |
Qualifications
Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking/mobile app at least one time
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.
