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Retirement/College Savings

Roth IRAs allow after tax dollars to be saved for retirement. Simply satisfy the 5 year waiting period and have a qualifying event (such as attaining the age of 59 1/2) and all withdrawls (contributions and earnings) are tax free.

Traditional IRAs offer immediate tax benefits with qualified contributions being tax deductible. Distributions are taxable, but penalty free after age 59 1/2.

A beneficial non-deductible account that features tax-free withdrawals for the specific purpose of a child’s higher education expenses.

A retirement investment plan primarily developed to assist small business owners and farmers with retirement plans for themselves and their employees.

Available for customers preferring alternative IRA investments.

Click Here to ask a customer service representative about contribution limits for all plans.

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NOTICE OF CHANGES IN TEMPORARY FDIC INSURACE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS. All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31,2010, through December 31,2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

	Maquoketa State Bank will be closed on Monday, February 20th in observance of Presidents' Day. No ACH files or transactions will be processed that day.

Retirement/College Savings

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