PERSONAL SAVINGS & RETIREMENT ACCOUNTS

Whether your focus is on the short term, long term or a little of both, consistent saving is key to a sound personal financial plan. And never before has saving been so important. Keep your money safe and secure while earning consistently competitive rates on any one of Hibernia's savings or retirement accounts.

Statement Savings Account

With the lowest opening deposit and minimum balance requirements around, Hibernia makes it easy to start saving. Let your savings grow with easy access to your money.

Hibernia Statement Savings accounts feature:

FREE Online Banking and E-statements
$100 minimum opening deposit and minimum balance requirement
Consistently competitive interest rates
Easy access to funds with a Hibernia ATM card
Low $5 maintenance fee if balance falls below balance requirement per quarter

Call (504) 522-3203 or visit one of our convenient locations to open an account and for further information about applicable fees and conditions.

Health Savings Account (HSA)

Hibernia understands that there are few things as important as your health. Available for use with high-deductible health plans, a Hibernia Health Savings Account, or HSA, provides an easy way for you to plan ahead for your health-related expenses.

Hibernia Health Savings accounts:

Tax-deferred
Available only to individuals covered by a high-deductible health plan
This account covers medical expenses incurred by the account beneficiary and dependants
$100 minimum opening deposit

>> Click here to learn more about HSAs.

>> Use our HSA Planner™ to calculate your elegibility, contributions, and worth projection.

Individual Retirement Account (IRA)

Planning ahead for retirement can seem a daunting task. Simplify your life and your retirement decisions with an Individual Retirement Account with Hibernia.
Choose either a Traditional IRA or Roth IRA:

Traditional IRA

If you are under the age of 70 ½ and you or your spouse have earned income from employment, you can establish a tax-deferred Traditional IRA and contribute with pre-tax dollars.

No annual fees
Contribution allowance of up to $5,000 or 100% of your earned compensation per year, whichever is less
Two IRA investment options: IRA Statement Savings or IRA Certificate of Deposit

>> Learn more about Traditional IRAs.

Roth IRA

Invest your after-tax dollars today and receive tax-free earnings later.
Establish a Roth IRA with after-tax dollars and the interest growth is tax-exempt. You may withdraw money at any time, tax and penalty free. Unlike a Traditional IRA, you’re not required to withdraw at any age.

No mandated minimum distributions
No age requirements for distributions
Withdrawals of interest and/or principle after 5 years are tax-free, if you're over the age of 59 ½ or will use the funds for first time home expenses
Contribution eligibility determined by income level

>> Learn more about Roth IRAs.

Contact a Hibernia banker at (504) 522-3203 today to find out which retirement account option is right for you.

(504) 522-3203

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(866) 257-3075




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