SMA Services, Inc. Benefit


Want to generate tax-deferred, guaranteed savings at a great rate with liquidity?

No matter where you are in your life, things can change. It’s always important to save money. The trick is being able to earn interest on your savings, and have easy access to cash without having to pay steep penalties to get it when you need it. 

To balance this situation, SMA Services offers a unique group IRA product for individuals that is available with a guaranteed, fixed rate of return.  Individuals can transfer balances from eligible qualified retirement plan accounts like IRA’s, 401k’s, Simple plans, etc. or deposit new contributions if starting an individual retirement account.

The first-year interest guarantee for 4th quarter deposits is 3.65%. through December 31, 2022.

The renewal rate for the 4th quarter is 2.47%.



Election of Benefits Form
Designation or Change of Beneficiary Form
Participant Online Access
Claimant Statement
IRA to SMA IRA Transfer
Change Form-Ameritas


  • Shelters account from stock market volatility;
  • Can transfer balances without restrictions or surrender charges;
  • (A+) rated company founded in 1887 backing the fixed account.