Pacific Enterprise Bank
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Personal Banking

Individual Retirement Account

An Individual Retirement Account (IRA) is a great investing tool that can help you prepare for a comfortable retirement. Most of your contributions to this account qualify for a variety of tax saving benefits. We offer many types of IRAs to help you save for a secure financial future.

Traditional IRA - Save for your retirement with a Traditional IRA at Pacific Enterprise Bank and watch your earnings grow tax-deferred. Meet eligibility criteria and tuck away several thousand dollars each year. Access the publication link below for yearly contribution limits. It's a great fit if you do not have an employer-sponsored retirement plan or want to supplement such a plan.

Account Details

  • Earnings grow tax-deferred, so you do not pay taxes on them until withdrawn
  • Annual contribution limits vary by year and age
  • Eligible individuals age 50 and older may make additional contributions in the form of catch-up contributions
  • Contributions may be tax-deductible



Internal Revenue Service: Individual Retirement Arrangements (IRAs)


For Inquiries:
Universal Banking Team

Phone: (949) 623-7600




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