IRAs

Save for retirement with confidence.

Whether you're just getting started or fine-tuning your retirement plan, our IRAs offer a secure and rewarding way to grow your savings — with tax advantages along the way.

Click here for current rates

Always consult your tax advisor about tax benefits and the deduct-ability of contributions.

Click the "Learn More" button below for complete account details and disclosures

Traditional IRA

Build your retirement savings while deferring taxes until later.

ROTH IRA

Let your retirement savings grow—tax-free.

Rollover IRAs

Keep your retirement savings on track.

Ready to get Started?

Fill out the form below, and we'll be in touch to help you open your IRA account.

Enroll in E-Statements

Fast, safe, and always at your fingertips.

What's the difference?

Traditional IRA	Roth IRA
Contribution is pre-tax dollars Contributions my be deductible Distribution is taxed IRS requires withdrawals at a certain age Withdraw funds without penalty for qualified expenses like first-time home purchase, education, medical needs, or disability.	Contribution uses post-tax dollars Contributions are non-deductible Distribution is not taxed Access funds tax- and penalty-free after one year for qualified uses

Early withdrawal before age 59½ is taxed (*Roth is only taxed on the gains)

Let's Plan Your Retirement - Together

To open an IRA, simply fill out our form or stop by a branch. We’re happy to help you get started.

Call Us

785-456-2221

Email Us

support@bfh.bank

Stop by a Bank

Stop by one of our 8 locations in Manhattan, Alma, White City, Wamego, St. Marys, and Rossville to speak with a Bank of the Flint Hills employee.

Find a Location

Personal Loans

Need extra funds? Our personal loans offer fast approval and flexible terms to help you cover expenses, consolidate debt, or make that big purchase.

Apply for a Personal Loan

$100 opening deposit
Make unlimited contributions - up to the annual limit
Contributions may be deductible
Interest compounded and credited quarterly**
Automatically renews at maturity
- A notice will be sent to you 10 days before maturity date.
Contribution is pre-tax dollars
Choose a term that's right for you
Friendly, and local support whenever you need it.

Keep in mind:

Contribution limits set by the federal government
Consult your tax advisor about eligibility and benefits
Early withdrawal penalties may apply***

Interest is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

**Interest compounded and credited quarterly. Interest rate and annual percentage yields subject to change at any time. Interest will begin to accrue the business day credit is received for the deposit of non-cash items.

***A penalty may be imposed for withdrawals before maturity. The penalty will equal six months interest on the amount withdrawn subject to penalty for 3, 6, 12, 18, 24, and 36 month CDs. The penalty will equal 12 months interest on the amount withdrawn subject to penalty for 48 and 60 month CDs. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires the waiver of the early withdrawal penalty. Other exceptions may also apply, for example if this is part of an IRA or tax-deferred savings plan. See your plan disclosure if this account is part of an IRA, Keogh or other tax-qualified plan.

ROTH IRA

$100 opening deposit
Make unlimited contributions - up to the annual limit
Contributions are non-deductible
Interest compounded and credited quarterly**
Automatically renews at maturity
- A notice will be sent to you 10 days before maturity date.
Contribution is post-tax dollars
Choose a term that's right for you
Friendly, and local support whenever you need it.

Keep in mind:

Earning from Roth IRA are tax free after 5 year period has been met along with qualified distribution
Contribution limits set by the federal government
Consult your tax advisor about eligibility and benefits
Early withdrawal penalties may apply***

Rollover IRAs

If you're retiring or changing jobs, we can help you keep your retirement savings on track. With a Traditional IRA rollover, you can move funds from your old employer-sponsored plan into a new account—without paying taxes on the transfer. It's a simple way to stay in control of your future and keep your savings growing.

Why you should consider a rollover to a Traditional IRA?

Move your retirement funds when leaving a job or retiring
Keep your savings tax-deferred and growing
Avoid penalties and taxes with a direct rollover
Stay in control of your retirement strategy
Get guidance from your neighbors at Bank of the Flint Hills

Fast, safe, and always at at your fingertips.

Signing up for e-Statements is one of the easiest ways to stay on top of your account — and it’s required for rewards on Kasasa® products.

With e-Statements, you’ll get your statements faster, avoid paper clutter, and enjoy the added security of accessing them securely through online banking. No waiting on the mail, no digging through drawers — just clear, convenient account info when you need it.

It's easy to enroll, and even easier to love.

Log in to Online Banking
Click the "Documents" button on your dashboard
Review the disclosure and click "Accept"
Confirm your email address and check the box for each account you'd like to enroll
Click "Enroll", then "OK" once you see the success message
That's it! You're e-statements will begin with your next statement cycle

Need help? Contact us - we're happy to walk you through it!