Personal Banking / Savings Accounts / Individual Retirement Account (IRA)
Affording your dream retirement.

Individual Retirement Account (IRA)^

We make it easy to save for your future with our flexible IRAs with tax-advantages. Get a competitive interest rate to help you afford your retirement. There’s no set-up fees or maintenance charges, which means every dollar you earn stays yours.

Balance Interest Rate APY*
$50-$2,499.99 0.250% 0.25%
$2,500 and above 0.250% 0.25%

Traditional IRA**

  • No income limits to open
  • No minimum contribution requirement
  • Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
  • Withdrawals can begin at age 59 1/2
  • Early withdrawals subject to penalty

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Roth IRA**

  • Income limits to be eligible to open Roth IRA
  • Contributions are NOT tax deductible
  • Earnings are 100% tax free at withdrawal
  • Principal contributions can be withdrawn without penalty on qualified distributions
  • Withdrawals on interest can begin at age 59 1/2
  • Early withdrawals on interest subject to penalty

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Rates last updated on 12/16/2022. Rates are subject to change without notice.

* Your stated APY (Annual Percentage Yield) is variable and may change at any time at the discretion of Nicolet National Bank. The disclosed APY assumes that interest will remain on deposit.  Fees could reduce earnings and APY. Interest is compounded quarterly. Interest is credited to your account quarterly.  We use the daily balance method to calculate the interest earned on your account. The daily balance method applies a daily periodic rate to the account balance each day.

** Consult your tax advisor

^ Subject to Credit Approval

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