First Federal Savings Bank
Personal Banking

Roth IRA

Tax Year Contribution Limit Catch - Up
Contribution Limit
Limit for Age
50 & older
2008 $5,000 $1,000 $6,000
2009 & beyond $5,000 + COLA $1,000 $6,000 +COLA

COLA = Cost of Living Expenses

Federal Income Tax Filing Status Full Contribution for MAGI of Partial Contribution for a MAGI between No Contribution for a MAGI of
Single $99,000 or less $99,000-$114,000 $114,000 or more
Married, Filing Jointly $156,000 or less $156,000 - $166,000 $166,000 or more
Married, Filing Separately N/A $0 - $10,000 $10,000 or more

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