Invest In Your Future

An Individual Retirement Account is a great way to invest in your future. GTE Financial offers a range of IRAs to suit your goals.

Your income, tax bracket, number of years until retirement, and other individual factors determine which investment option is best for you. Our financial advisors are here to help you plan for your future.

Open Your IRA

Open a new account online today! If you prefer personal assistance, visit one of our centers or give us a call at 813.871.2690. Looking for a higher dividend rate? Consider an IRA Share Certificate.

Minimum BalanceRateAPY*
$0 - $2,499.990.40%0.40%
$2,500 - $9,999.990.50%0.50%
$10,000 - $49,999.990.65%0.65%
$50,000 - $99,999.990.80%0.80%
$100,000 - $249,999.991.05%1.06%
$250,000 +1.55%1.57%


Explore IRA Options

Traditional IRA

  • No income limits to open
  • Designed for those under 70.5 who continue to earn income
  • Contributions are pre-tax deductions and may be tax-deductible**  (taxes to be paid on withdrawals)
  • Yearly contribution limits 

Roth IRA

  • No age limit on contributions
  • No Required Minimum Distributions
  • Income limits do apply
  • Taxes are paid prior to contribution, so you can enjoy tax free withdrawals at retirement

Coverdell ESA

Formerly Education IRA
  • Contributions can grow tax-deferred and distributed income tax-free as long as distributions are used for qualified education expenses 


  • Ideal for self-employed, business owners, or freelance income earners
  • Up to 10 times higher contribution limits than Traditional IRA 

Simple IRA

  • Ideal for small business with 100 or fewer employees
  • Employee contributions where the employer can match contributions
  • Employee is always fully vested

IRA Share Certificate

  • Term deposit held within an IRA
  • Earns higher dividends than a regular IRA account 

**Consult a qualified tax professional for advice on your specific circumstance.

*Annual Percentage Yield (APY) is accurate as of last dividend declaration date. Any fees could reduce earnings on this account. Rates, terms, and conditions subject to change without notice. Rate may change after account opening.