Individual Retirement Account

Invest in your future with an IRA.

Roll over your 401(k) or set up a new account with Human Interest in minutes — and keep more of your money with zero transaction fees.¹

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Enroll in IRA

Your personal pathway to retirement

Your individual retirement account (IRA) is all about you. It’s not anchored to a specific employer like a 401(k), meaning it offers greater adaptability on your long journey to retirement.

An IRA provides flexibility to tailor your retirement savings to your unique goals—whether you're just getting started or have been saving for years.

How It Works

Set up your IRA in minutes

You can now roll over funds from existing retirement accounts directly into your Human Interest IRA^®.

Create an IRA account
Fund your account by rolling over your 401(k) or connecting your bank account
Continue on your retirement savings journey with Human Interest

Enroll in your Human Interest IRA®

Transparent pricing

The annual fee is pulled directly from your account for easy bill management. No surprises with your pricing since Human Interest never charges for transactions or hidden fees.

$8/month, billed annually
0.06% asset-based fee, billed monthly

Enroll in IRA

The first 401(k) with 3% cash back on contributions³

(k)ickstart® your employees’ retirement with:

3% cash back on employee contributions (min. $100, max. $250), a special perk for those making $60,000 or less per year.
Financial education via (k)ickstart® classroom, a free 10-part course featuring bite-sized videos designed for first-time savers.
Award-winning customer service, enrollment webinars in Spanish & English, and a mobile-optimized experience.