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⚠️ Fraud Alert: We’re seeing an increase in fake texts and calls pretending to be from The Harvard State Bank.
These messages are a scam.
Please do NOT click any links, respond, or give out personal information.
If you’re ever unsure about a message, call your local branch directly — we’re always here to help keep you safe.
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
A Roth IRA allows only non-deductible contributions, but features federal income tax-free withdrawals for certain distribution reasons after a five-year holding period. To be eligible you must have compensation and your modified adjusted gross income cannot exceed certain limits.
INDIVIDUAL RETIREMENT ACCOUNT OR IRA
IRAs are retirement accounts that are regulated by the IRS. They have restrictions on withdrawals and deposits, maximum annual deposit amounts, and tax benefits depending on the type IRA. IRAs are available to individuals.
The Harvard State Bank offers a variety of IRA plans to help you build up your retirement nest egg. We encourage you to discuss your retirement plans with your investment broker or tax advisor.