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Help secure the future you've always dreamed about.

Choose from a variety of IRAs for individuals, employees and businesses.

Traditional IRA

Your money is invested in a high-yield, fixed or variable rate CD.

Simple IRA

The new Savings Incentive Match Plan for Employees provides small business workers a smart and easy way to save for the future.

Spousal IRA

This unique IRA allows the combined total of your annual contributions to be higher than before.

Education IRA

The Coverdell Education Savings Account (Education IRA) is a non-deductible account which offers withdrawals that are generally not taxed when withdrawn for a very specific purpose—a child's higher education expenses.{82}

Roth IRA

The Roth IRA is a non-deductible account that features withdrawals that are generally not taxed when withdrawn for a qualified distribution reason after the applicable holding period.{82}


A Simplified Employee Pension Plan IRA is a business retirement plan that gives an employer an immediate tax break when contributing money into its employees' tax-deferred IRAs.

Ready to apply?

​Applying for a Simmons Bank savings account is simple. When you apply with a Simmons Bank associate, you’ll need to gather a few things:

  • ​Basic Financial Information
  • Social Security Number
  • Employer Information
  • {97} Benefits and features are subject to customer qualification and approval by Simmons Bank.
  • {82} This information should not be relied on or interpreted as accounting, investment, legal, or tax advice. Simmons Bank does not provide tax advice and encourages you to consult with a tax professional concerning your specific situation and visit for current tax rules.