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|Traditional IRA||Roth IRA||IRA Certificate||Coverdell ESA|
|Purpose||Pre-tax retirement savings||Post-tax retirement savings with more flexibility||Like a Traditional or Roth IRA, but with maturity terms up to 18 months.||Post-tax savings for future education expenses of someone under 18|
|Reason to Open this Account||You plan to be in a lower tax bracket after retirement, or your income exceeds Roth IRA limitations, and want the flexibility to make withdrawals||You expect to be at the same or higher tax bracket after retirement, and want the flexibility to make withdrawals||You want to earn the highest interest rate, and don’t need the flexibility of withdrawals||Save and earn tax-free interest to fund your child’s college education|
||Subject to either Traditional or Roth IRA eligibility||Beneficiary must be a qualifying family member under the age of 18|