What Your IRA Test Score Means

Individual Retirement Account Chart
If Your Test Score Is…

Under 14 Points:

An IRA may not be right for you at this time. Speak to one of our representatives for more information.

14 Points or More:

If your age is 21 to 35:

Now is the ideal time to open an IRA!

If your age is 36 to 45:

You’re in your peak earning years. Start an IRA today. Don’t delay.

If your age is 46 to 64:

If you haven’t opened an IRA by now, you should do so immediately.

If your age is 65 or more:

If you’re retired, it’s too late to open an IRA. But if you’re still working, you have until age 70-1/2 to continue investing for a more secure future.


This chart is for your information only. Be sure to consult a customer service representative before opening an Individual Retirement Account. ©2014 The Forms Group, All Rights Reserved

CD RatesIcon For: Rates

Term Rate APY*
3 Month .18% .18%
36 Month 2.00% 2.02%
60 Month 2.50 2.53
More Rates

*Annual Percentage Yield is accurate as of 12/10/18 and is subject to change without notice. A $100 minimum balance is required to obtain the APY. There may be a penalty for early withdrawal.