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U.S. Treasury Retirement Account


Many Americans would like to save more for retirement and are looking for simple, safe and affordable options. The U.S. Department of the Treasury is creating a new retirement account for savers who do not have access to an employer-sponsored retirement savings plan or are looking to supplement a current plan. This account will be available through an individual's employer.

Key features include:

  • As little as a $25 investment to get started
  • Add-on savings through regular payroll deduction – as low as $5 every payday
  • No fees
  • Account never goes down in value
  • Same variable interest rate as other low-risk retirement accounts offered to government employees
  • Portable – not tied to a single employer
  • Build savings for 30 years or accumulation of $15K, whichever comes first (balance will then rollover to a commercial retirement account provider selected by saver)
  • Same tax advantages as the common retirement account known as a Roth IRA


If you have additional questions, check out the Top Questions and Answers about the Retirement Account.

For more information, call (800) 553-2663.

Helpful Resources

Paper IconDownload Retirement Account Fact Sheet

Page IconDownload Retirement Account FAQ

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