Personal Banking

IRA Accounts

At First Pacific Bank, we offer a wide range of retirement accounts so you can stay focused on your long-term goals and enjoy the retirement you deserve.

Retirement Solutions You Can Count On

It’s never too early—or late—to plan for your retirement years. Our Individual Retirement Accounts (IRAs) help you get the most out of your hard-earned retirement. Select the account that’s right for you.

Individual Retirement Accounts

Securing your future is even easier with a First Pacific Bank IRA–providing you with the financial comfort you need during your retirement years. Consider our Traditional IRAs, Roth IRAs, and Rollover 401(k) options.


  • Minimum deposit to open an account is $1,000.

  • 401(k) or qualified retirement plan rollovers are accepted to consolidate your retirement assets.

  • Competitive rates and various terms for your FDIC insured investment (up to $250,000).

1, 2, 3, and 5 Year – Fixed Rate IRA Accounts

Traditional IRA

With a Traditional IRA, your earnings grow tax-deferred under a pre-determined fixed rate structure and, if eligible, your contributions may be tax-deductible as well. You can also roll over a 401(k) or employer-sponsored qualified retirement plan to consolidate your retirement assets.

Roth IRA

With a Roth IRA, you make after tax-contributions, so the money you withdraw after retirement may be free from federal taxes. Interest is calculated and paid as outlined in the Truth & Savings disclosure.