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American IRA has structured a truly unique fee schedule to allow our clients to retain as much profit as possible.

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Our Plans

Our Fees Stay Low As You Grow

Most self-directed providers charge a per-asset annual fee or an assets-under-management fee similar to an advisor. These fees can equate to paying your custodian thousands of dollars every year for administration services.

At American IRA, we charge no fees based on your account value or the number of assets you hold, so your fees stay low while your account grows.


Get started risk-free

$0/yNo annual feesAutomatically upgraded to Flex or Unlimited on first investment or distributionGet started with self-direction without worrying about feesOpen an Account
FlatFee IRA Flex

Low per-transaction fee



Low, fixed annual fee irrespective of account value and holdingsUnlimited account valueUnlimited assetsLow $95 fee per transaction

*Annual fee reduced for accounts under $7,500.

Open an Account
Best for Growth
FlatFee IRA Unlimited

Unlimited free transactions



Low, fixed annual fee irrespective of account value and holdingsUnlimited account valueUnlimited assetsUnlimited free transactions

*Annual fee reduced for accounts under $7,500.

Open an Account

Self-Directed IRA Fee Types

Self-Directed IRA Fees Explained

Self-directed retirement fees can be broadly grouped into the four types shown here. Our Fee schedule tables are color coded to show which category each charge falls under.

See Full Fee Schedule

Setup Fee

The one-time cost of opening your self-directed account. All American IRA accounts have a low $50 setup fee with no hidden extras.


Recordkeeping Fee

This annual fee covers the costs of maintaining your account's compliance with regulations, completing IRS reporting, and keeping your account records up to date.


Transaction Fees

Per-transaction fees that cover the cost of the paperwork and documentation needed to complete the purchase or sale of an asset in your account.


Miscellaneous Fees

We may charge a one-time fee for additional work such as document reproduction, expedited reviews, research, and other special services.


Fees in Detail

American IRA Fee Schedule

Download as PDF

Expand the tables below for full information about our fees.

Setup Fee

One-time account setup fee.

All accounts incur a one-time setup fee of $50.

Annual Record Keeping Fees

Annual fee charged for account administration.

PlanSmall AccountsBalance < $7,500StandardBalance ≥ $7,500
FlatFee IRA Starter$0/y$0/y
FlatFee IRA Flex$165/y$285/y
FlatFee IRA Unlimited$330/y$450/y

Transaction Fees

Fees related to the purchase and sale of assets.

PlanFee(Per Transaction)
FlatFee IRA Flex$95
FlatFee IRA Unlimited$0

Processing Fees

Fees incurred in relation to routine account operations such as withdrawals.

Wire Transfer

Incoming or outgoing.

Cashier's Check

Includes overnight shipping.

ACH/Trust/Voided Checks
Certified Mailing
Overnight Mail

Processing fee, exclusive of shipping costs.


Miscellaneous Fees

One-time fees for extra work in special situations.

Account establishment
Exchange, re-registration, re-characterization of an asset/Liability or leveraged Asset
Expedited review
Special services

Including but not limited to research of closed accounts, processing foreclosures, and tax issues.

$75 per half-hour
Partial or full account termination

Includes transfer of assets from your account and lump-sum distributions

.005 of the termination value (plus applicable processing/misc. fees) in the range $150-max $250
Deposit research

Applicable if deposit coupon is not included with deposit.

Copy/Cleared/Canceled checks, Reproducing tax documents (5498/1099), Duplicate Statements
Returned Items, Stop Payment Request, Credit Card Decline
Regularly Scheduled Distribution Fee (Monthly/Quarterly/Annually)
990-T Processing, Reversal of Fees for Alternate Payment Method
If fees are deducted from your account causing your cash balance to fall below the required minimum account balance
$25/mo until account is brought back to the minimum balance
Federal or State Tax Withholding

How it Works

Three Steps to Tax Efficient Investment

Establishing a self-directed retirement account is easier than you think.

  1. 1

    15 Minutes

    Get a Free Consulatation

    Our friendly team will help you decide which self-directed account offers the cheapest and most tax-efficient investment vehicle in your current situation.

  2. 2

    1-3 Days

    Create Your Account

    Creating an account is quick and easy. Fill in our application form and your account could be up and running in as few as 4 business days. With American IRA, you pay no annual fees until your first transaction!

  3. 3

    Make Your First Investment

    When you're ready to invest, you can fund your purchase with regular contributions or using funds transferred from another account. Our team can advise you on the most tax-efficient form of funding.

I'm a new account holder at American IRA and every step of the process has been seamless with fast responses to all my questions.
- Customer Review
I set up a self directed IRA through American IRA and over the last year, every point of contact with them has been impressive.
- Customer Review
I have enjoyed over 10 years working with American IRA. They have shown me things to grow our retirement in ways I could have never thought of myself.
- Customer Review

Trusted by


Happy investors

Financial Service Directory Member
BBB A+ Accreditation
As Seen in Kiplinger

Let's Get You Started.

Get Started Now, and Pay $0 Until Your First Transaction

Setting up self-directed retirement account is easier than you think. In 15 minutes I can walk you through.

Kyle Moody

Businsess Development Specialist

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© 2024 American IRA
DISCLAIMER American IRA, LLC, a North Carolina limited liability company, serves as a Third Party Administrator on behalf of the Custodian, New Vision Trust Company, a state chartered South Dakota Trust Company. As a Self-Directed IRA administrator we are a neutral third party. We do not make any recommendations to any person or entity associated with investments of any type (including financial representatives, investment promoters or companies, or employees, agents or representatives associated with these firms). We are not responsible for and are not bound by any statements, representations, warranties or agreements made by any such person or entity and do not provide any recommendation on the quality, profitability or reputability of any investment, individual or company. The terms "we" and "us" refer to American IRA, with offices located in Asheville, NC and Charlotte, NC.
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