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IRA

Traditional and Roth IRAs build towards your future in a way that works for you.

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IRA Account Options

  • If paying less in taxes now is your goal, a Traditional IRA may be right for you.

  • Traditional IRAs let you use pre-tax dollars now, to build your principal for greater earnings later.

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  • While Roth IRA contributions are not tax-deductible, they offer additional flexibility beyond a Traditional IRA.

  • More people are eligible, couples can contribute more, and you can keep on saving for retirement past the age of 72.

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What our clients are saying...

Local bank with excellent client service. The branch personnel is very friendly and always supporting the community. I highly recommend banking at Kearny Bank.

Kevin M.

Excellent client service. I reached out to them today because I have been trying to get a new bank account with them. I didn't feel rushed, and they were able to answer all my questions and explain my options as well as what I needed.

Mariana G.

My mother and I have been a client at Kearny Bank for over 30 years. The branch personnel are friendly and always willing to answer our questions. If you are looking for a small bank that doesn't hit you with crazy monthly fees, a staff that knows you and willing to help, Kearny Bank is the place.

Teresa D.

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FAQs

Find answers to common questions about Kearny Bank and our services.

An IRA is a tax-advantaged account designed to help you save for retirement.

You contribute funds to your IRA, where they can grow through interest or investment returns. Depending on the type of IRA, your contributions may be tax-deductible or grow tax-free.

You get the confidence of working with a local financial partner, FDIC-insured savings options, and flexible plans tailored to your retirement goals.

A Traditional IRA lets you contribute pre-tax dollars, which may reduce your current taxable income. Roth IRA contributions are made with after-tax dollars but offer flexibility and tax-free withdrawals under certain conditions.

We recommend speaking with a financial or tax advisor to determine which option best fits your financial situation.

Contact us at 800-273-3406 or visit your local Kearny Bank branch. We’ll guide you through every step.
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Build your retirement savings with a Kearny Bank IRA.

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