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Personal Banking

IRA's (Individual Retirement Accounts)

With an IRA from United Bank & Trust, you get secure, completely-insured investment options with a manageable initial investment, without opening or closing bank fees. Just select the IRA that fits your investment goals.


  • Earnings are tax deferred until withdrawal
  • Annual contributions of $5,000 or 100 percent of earned income, whichever is less
  • Contributions may be tax deductible
  • Created for individuals who do not participate in employer sponsored retirement plans
  • Certain individuals who do participate in employer sponsored retirement plans may still qualify


  • Offers a tax structure unlike any other IRA, with after-tax contributions and tax-free growth
  • Qualified withdrawals are not taxable

For more information email or call (641)753-5900.


Each depositor is insured to at least $250,000. View the FDICs website for more information. ( Federal Deposit Insurance(FDIC) )