Welcome to the Safe-Harbor-IRA®
Safe-Harbor-IRA® is an automatic rollover IRA program developed by Centier Bank exclusively for missing or non-responsive terminated plan participants. Your former employer has made Centier the trustee of your automatic rollover, meaning your plan balance is now in a Safe-Harbor-IRA®.
First Time Visitor? Claim Ownership of Your IRA
If you just received your Welcome Letter and have not yet claimed your automatic IRA rollover, please take a minute to look through the documents and forms available in the section below. To claim your IRA, read through Form 5305 and the Disclosure Statement. Then fill out and print the forms below.
- Safe-Harbor-IRA® Application and Adoption Agreement
- Safe-Harbor-IRA® Beneficiary Designation or Change Form
Mail, or scan and email all forms to [email protected], along with a copy of your valid Driver's License or other Government issued photo ID, to claim your IRA. You can send the forms back in the postage-paid yellow envelope that was included in your welcome letter, or if you no longer have that envelope, you can address an envelope to:
Centier Bank - Safe-Harbor-IRA®
600 East 84th Avenue
Merrillville, IN 46410-6366
Accessing Your IRA Online
Once you have completed and returned the required forms, you will be able to access your account online by clicking the button below.
Forms & FAQs
For questions about the Safe-Harbor-IRA®, including why your plan balance was transferred, what your options are, how you can invest your funds(1), and more, read through the Frequently Asked Questions About Safe-Harbor-IRA® brochure.
(1)Securities and insurance Products are: Not FDIC insured. May lose value. No bank guarantee. Not a deposit. Not insured by any federal or state government agency.
Other Resources
Choosing Your Investment Options
If your account balance is at least $5,000, you may direct the investment of your funds into an asset allocation fund1. Please contact our office at (219) 924-1647 to discuss this option further.
- Vanguard LifeStrategy® Growth Fund
- Vanguard LifeStrategy® Income Fund
- Vanguard Balanced Index Fund
- Vanguard LifeStrategy® Conservative Growth Fund
- Vanguard LifeStrategy® Moderate Growth Fund
1 Securities and insurance Products are: Not FDIC insured. May lose value. No bank guarantee. Not a deposit. Not insured by any federal or state government agency.
Safe Harbor-IRA® Interest Rate
- Interest Rate - 0.80%
- Annual Percentage Yield - 0.80%
- Safe-Harbor-IRA® rates effective 10/11/2023. Rates are subject to change. Fees may reduce earnings. No minimum amount is required. Member FDIC
Meet Our Team
Experience what makes Centier the bank of choice in Indiana. Please contact a Centier Financial Partner team member today.
A Higher Standard of Service as Your Fiduciary Agent
Our value-based service culture underscores an ethical obligation to our clients.
Centier Financial Partners has a fiduciary obligation to act in your best interest. This includes all aspects of our relationship, from decisions involving disbursements, treatment of beneficiaries, investment choices, and a myriad of other financial and administrative decisions. As a fiduciary, we have the experience and integrity to exceed your service standards and deliver results that align with your intentions. We uphold these standards as a team to help grow and protect your wealth for your financial future.1
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Disclosures
Investment and insurance products are:
• Not FDIC insured
• Not insured by any federal government agency
• Not a deposit or other obligation of, or guaranteed by, Centier Bank
• Subject to investment risks, including possible loss of the principal amount invested