Do you want to work till you’re 95?

An Individual Retirement Account (IRA) may be your solution!
What is an IRA?
IRAs are your very own personal tax advantage savings vehicle for Retirement. That allows us to help you make your hard earn dollar work even harder for you, with the most competitive interest rate out there.
Trustco Retirement Program offers
Traditional IRA
A Traditional IRA is an individual retirement account that:
If you are in a higher tax bracket today than you will be during retirement, a Traditional IRA may be a smart choice.
Roth IRA
A Roth IRA is an individual retirement account that offers:
If you are in a lower tax bracket today than you will be during retirement, a Roth IRA may be a smart choice.
You can Fund your IRA Account with:

Trustco Bank offers you a wide range of investment options with flexible terms of 6 months to 10 years.
- IRA Certificate of Deposits - View rates and terms
- IRA Money Market Accounts - View rates and earnings
- IRA Club Account – Contact Branch Manager for details
Remember: With a Trustco Bank IRA Account, your principle will never depreciate. Your Retirement funds will be safe!
* Check with a qualified tax advisor or the IRS for contribution limits and your eligibility to contribute.
Please Note: We reserve the right to alter or withdraw these products or certain features thereof without prior notification. Consult your tax advisor concerning the tax consequences and benefits of these products.

Retirement Plans For Businesses
Reward you and your employees with a plan to provide retirement benefits. SEP and SIMPLE IRA plans are easy to set up and administer.
Simplified Employment Pension (SEP)
A Trustco SEP is a tax-deductible retirement fund for businesses that provides tax deferred benefits for employers and employees. Employers may contribute up to the lesser of the contribution amount determined by the IRS or 25% of compensation for each eligible employee. The compensation limit is determined by the IRS. Talk to your Trustco banker about this innovative program for your business.
Savings Incentive Match Plans For Employees (SIMPLE)
A Trustco Bank SIMPLE is an inexpensive retirement plan that a small business owner may set up, even if the business has no employees other than the owner. Employers must make contributions for eligible employees based on a matching or non-elective contribution formula.
Please Note: We reserve the right to alter or withdraw these products or certain features thereof without prior notification. Consult your tax advisor concerning the tax consequences and benefits of these products.
* Visit the IRA website at www.irs.gov for the dollar amount

Coverdell Education Savings Accounts (Coverdell ESA)
Saving for a minor's education with tax advantages is easy with a Coverdell Education Savings Account.
Coverdell Education Savings Account (ESA)
Contributions:
Please Note: We reserve the right to alter or withdraw these products or certain features thereof without prior notification. Consult your tax advisor concerning the tax consequences and benefits of these products.
What do You Need To Open A Checking Account
Trustco offers several different debit cards for their customers. Find out which card best fits your needs.
Why You Should Open A Health Savings Account
Do you wish you had better control over how you spend your health-care dollars? If so, you may be interested in an alternative to traditional health insurance called a health savings account (HSA).
Environmental
At Trustco Bank we understand the importance of limiting our carbon footprint while delivering the best value to our shareholders.