Pacific Enterprise Bank
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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  • Earnings grow tax-deferred, so you do not pay taxes on them until withdrawn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



Roth IRA A Roth IRA at Pacific Enterprise Bank offers a powerful combination of retirement savings benefits. Earnings accumulate tax-free, and withdrawals are tax-free too if you have held your account for at least five years and are older than 59 1/2. Unlike a Traditional IRA, a Roth IRA does not require you to take distributions, and you can contribute after age 70 1/2.


Account Details

  • Watch your earnings grow tax-free
  • Pay no tax or penalties on qualified withdrawals
  • Access your account information online
  • Consider the potential tax benefits if you expect to be in a higher tax bracket when you retire

Internal Revenue Service: Individual Retirement Arrangements (IRAs)


For Inquiries:
Universal Banking Team

Phone: (949) 623-7600



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