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IRAs in WV and VA

IRAs in WV and VA

While retirement may seem like a distant dream, the truth is, time passes more quickly each day. Start saving now while you're still earning income.

An IRA offers tax-advantages.* We offer many types of accounts to meet the different financial needs of our customers. A PCB representative will be happy to discuss each plan and help you choose the one that's right for you.

  • Tax-advantaged* way for those age 70½ and under to save for retirement
  • Plan ahead for your golden years while you're still earning income
  • Earn competitive interest rates
  • Choose the account plan that's right for your financial goals
  • Traditional and Roth IRAs available
  • Annual contribution limits apply
  • "Catch-up" contributions allowed for those age 50+
  • FDIC insured up to $250,000
*Consult your tax advisor.

Traditional IRA

  • Exclusive to those age 70½ and under
  • Contributions are tax deductible*
  • Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
  • Withdrawals can begin at age 59½
  • Early withdrawals subject to penalty**
  • Mandatory withdrawals at age 70½
*Consult with a tax advisor.
**Certain exceptions apply, such as healthcare, purchasing first home, etc.

Roth IRA

  • Income limit requirements to open
  • Contributions are NOT tax deductible
  • Earnings are 100% tax free upon withdrawal*
  • Withdrawals can begin at age 59½
  • Early withdrawals subject to penalty**
  • No mandatory distribution age
*Consult your tax advisor.
**Certain exceptions apply, such as healthcare, purchasing first home, etc.