Close
Skip to Content
Clinton National Bank Menu
  • Contact Us
  • Locations
  • Search Icon
  • Facebook Logo
  • LinkedIn Logo
  • Twitter Logo
Online Applications Debit Card Challenges Online Accounts
Enroll
  • Home
  • Personal
    • Online Banking
    • Mobile Banking
    • Checking Accounts
    • Teen Checking
    • Interest Rates
    • Savings Accounts
      • Thumbuddy Kids Club
    • Certificates of Deposit
    • Phone Banking
    • Consumer Loans
    • Mortgage Center
    • Credit & Debit Cards
  • Business
    • Business Online Banking
    • Checking Accounts
    • Business/Merchant Services
    • Commercial Loans
    • Agricultural Loans
  • Loans
    • Consumer Loans
    • Mortgage Center
    • Commercial Loans
    • Agriculture Loans
  • Credit/Debit Cards
    • Card Security
  • Trusts
    • Getting Started
    • Personal Trust Services
    • Investment Accounts
    • Retirement Accounts
    • Trust Reporter
    • Employee Benefits Plan Login
    • Trust Articles
  • About
    • Our Team
    • Financial Performance
    • Employment Application
    • Hours
    • Locations & ATMs
    • Presidents' Message

Retirement Services

Trusts Retirement Accounts
  • Aa
  • Aa
  • Aa

Live the Life You want in Retirement

We'll help you identify the best solution for your future goals and how accessible you want your money to be. This ensures that you get on track to live the life you want when it comes time to retire.


Individual Retirement Accounts (IRAs)

IRAs are a great way to save for the future. Many people are looking to invest their IRA assets for diversification purposes and for the potential of producing greater return over time. Clinton National Bank can assist you in making the most of these attractive, tax advantaged accounts by helping you establish a new IRA, rollover your 401(k) or other qualified retirement plan assets, or transfer an existing IRA.


Traditional IRAs

Contributions may be tax-deductible based on income. Earnings are tax-deferred, with limited penalty-free withdrawals. After age 70 ½, contributions are disallowed and distribution becomes mandatory. For individuals who qualify, a smart way to build a retirement nest egg is to take advantage of the tax-deferred growth offered through a traditional IRA.

Deductible IRAs provide a double tax benefit. Contributions and all earnings may be tax-deferred until withdrawn. You can also deduct (from taxable income) the full amount contributed if you are in an employer-sponsored retirement plan, and your adjusted gross income (AGI) is under a certain level.


Roth IRAs

Contributions are not tax-deductible but earnings can become tax-free on qualified distributions for accounts open five or more years. There are income limitations and limited penalty-free withdrawals. Contributions can continue after age 70 ½ with no mandatory distributions.

Although contributions to a Roth IRA are not tax-deductible, earnings grow tax-deferred and withdrawals are tax-free if made more than five years after the Roth IRA was established, and the taxpayer has reached age 59 ½, becomes disabled, or dies.


IRA Rollovers

If you are changing jobs or wish to consolidate existing IRA accounts into a single IRA, Clinton National Bank can help. Rollover or transfer retirement funds from a former employer’s plan or other IRA accounts into a Clinton National Bank IRA account. Rolling over funds is made easy with a simple set of forms.


Employee Benefit Plans

Qualified pension, profit sharing and 401(k) plans offer many benefits to both employers and employees. Along with favorable tax treatment, these accounts strengthen retirement benefits which can help build employee morale. An employer sponsored retirement account can help to attract and retain qualified employees.

The administration of a qualified plan can be complicated and technical. Clinton National Bank can provide the plan documents and record keeping, as well as developing investment options, programs and education for employees.

  • Getting Started
  • Personal Trust Services
  • Investment Accounts
  • Retirement Accounts
  • Trust Reporter
  • Employee Benefits Plan Login
  • Trust Articles
Locations & ATMS
Security Tips
Prime Time 50 Club Events

Disclaimers

  • Privacy Policy
  • Terms of Use
  • Online Banking Terms and Conditions
  • PATRIOT Act
  • Website Accessibility Guidelines
  • Sitemap

Top Viewed Pages

  • Online Banking
  • Contact Us
  • Locations
  • Our Team
  • Mobile Banking
  • Checking Accounts
  • Easy Switch Kit
  • Online Banking Terms & Conditions
  • Credit & Debit Cards
  • Savings Accounts

Customer Service

Toll Free: (800) 243-9007
PC Banking 24/7: (563) 243-1243
Lost/Stolen Debit Cards: (800) 500-1044
Routing #: 073900441

View Location Info Privileged Status ATM Locator
  • Member FDIC
  • Equal Housing Lender
  • Privileged Status ATM

© 2023. Clinton National Bank. All rights reserved.
Financial Site Created and Powered by VGM Forbin.

Back to Top
Close

Please Select an Account

  • Personal Banking
  • Business Banking
  • Credit Cards
  • Trust Reporter
  • Employee Benefit Plan
  • Scorecard

‹ Go Back

Personal

Personal Login Form
Enroll | Help | Forgot Password

‹ Go Back

Business

Business Login Form
Enroll | Help | Forgot Password

‹ Go Back

Trust

Trust Login Form
Enroll | Help | Forgot Password

‹ Go Back

Credit/Debit Cards

Login Form
Enroll | Help | Forgot Password
Close

Online Applications

  • Mortgage Loan Application
  • Consumer Loan Application
  • Deposit Account Application
  • VISA Credit Card
  • Home
  • Personal
    • Online Banking
    • Mobile Banking
    • Checking Accounts
    • Teen Checking
    • Interest Rates
    • Savings Accounts
      • Thumbuddy Kids Club
    • Certificates of Deposit
    • Phone Banking
    • Consumer Loans
    • Mortgage Center
    • Credit & Debit Cards
  • Business
    • Business Online Banking
    • Checking Accounts
    • Business/Merchant Services
    • Commercial Loans
    • Agricultural Loans
  • Loans
    • Consumer Loans
    • Mortgage Center
    • Commercial Loans
    • Agriculture Loans
  • Credit/Debit Cards
    • Card Security
  • Trusts
    • Getting Started
    • Personal Trust Services
    • Investment Accounts
    • Retirement Accounts
    • Trust Reporter
    • Employee Benefits Plan Login
    • Trust Articles
  • About
    • Our Team
    • Financial Performance
    • Employment Application
    • Hours
    • Locations & ATMs
    • Presidents' Message
  • Search
  • Facebook Logo