Investments & Retirement

Plan for the future with RMO retirement and investing products — including 401(k) plans and rollovers designed to keep more of your money working for you.

Long-Term Growth Low Fees Retirement-Focused

Features

Invest for the long run.

Retirement products built around your goals.

401(k) Plans & Rollovers

Open a new plan or roll over an existing 401(k) without the hassle.

Low, Transparent Fees

Keep more of your returns with competitive, clearly disclosed fees.

Retirement-Focused

Products designed for long-term, tax-advantaged growth.

Guidance Available

Talk to an RMO Expert about the right retirement strategy for you.

Products & Rates

Explore retirement products.

See RMO 401(k) and retirement options and compare them to the major brokerages.

View 401(k) & Retirement →

See how RMO compares:

vs. Fidelity → vs. Schwab → vs. Vanguard →

Learn

New to banking with RMO?

Our plain-English banking guides explain how to choose an account, how FDIC insurance works, savings vs. CDs, avoiding fees, and more.

Read the Banking Guides →

FAQ

Frequently asked questions

What retirement products does RMO offer?

RMO offers 401(k) plans and rollovers, with personal retirement products designed for long-term, tax-advantaged growth.

Can I roll over an old 401(k)?

Yes. RMO supports rollovers from prior employer plans — an Expert can walk you through the process.

Are investments FDIC-insured?

Investment and retirement products are not deposits and are not FDIC-insured; they may lose value. FDIC insurance applies only to eligible RMO Bank deposit accounts.

Support

How can we help?

We're here whenever you need us.

FAQs

Find answers to common questions about accounts, fees, and services.

Talk to Us

Reach our member services team by phone, email, or chat for personalized help.

Visit Us

Find a retail center near you for in-person service, appointments, and support.

FDIC Insurance. RMO Bank deposit accounts are FDIC-insured up to applicable limits ($250,000 per depositor, per insured bank, per ownership category). APYs and fees are accurate as of the date shown on each product page and are subject to change without notice. Fees may reduce earnings. Check-cashing and currency-exchange services are offered through RMO Financial and are not deposit products. See the applicable account agreement, rate sheet, and fee schedule for full terms, conditions, and any transaction limits.

Disclosure. This page is general educational information. Deposit accounts and banking services are offered through RMO Bank. RMO Bank deposit accounts — checking, savings, money market, and certificates of deposit — are insured by the FDIC up to the maximum amount permitted by law. Account terms, fees, and rates are disclosed in the applicable account agreement and fee schedule, which govern.