Nurture your nest egg with higher dividends than regular savings and unique tax advantages.*

Details
  • Tax advantaged* way to save for retirement
  • Earn higher rates than regular savings
  • Available in Traditional and Roth
  • No setup or maintenance fees
  • Annual contribution limits
  • Additional $1,000 "catch-up" contribution allowed for ages 50+
  • Funds can be used to purchase certificates, stocks, bonds, etc. within IRA
  • Federally insured to $250,000 by NCUA
Types of IRAs

Traditional IRA

Traditional IRA contributions may be tax deferred until you begin withdrawing funds for retirement.

  • Free Investment counseling
  • Member must not turn 70.5 during the tax year and must have compensation
  • Pays a higher rate than regular savings
  • Certain IRS restrictions apply
  • Deposits federally insured up to $250,000 through the NCUA
  • $25 opening deposit

Traditional IRA Share Certificate

Get the tax advantages of a Traditional IRA with the security of a Share Certificate.

  • Free Investment counseling
  • Pays a higher rate than regular savings
  • Rates are fixed and in effect for the term of the account
  • Terms available from 12 to 60 months
  • Dividends can be paid to the IRA Share Certificate or another IRA account
  • Early withdrawal penalty applies
  • Certain IRS restrictions apply
  • Deposits federally insured up to $250,000 through the NCUA
  • $1,000 deposit to open the account

Roth IRA

With a Roth IRA, taxes are paid prior to deposit, so qualified withdrawals are tax-free.

  • Free Investment counseling
  • Member must have compensation
  • Pays a higher rate than regular savings
  • Early withdrawal penalty applies
  • Certain IRS restrictions apply
  • Deposits federally insured up to $250,000 through the NCUA
  • $25 opening deposit

Roth IRA Share Certificate

Get the tax advantages of a Roth IRA with the security of a Share Certificate.

  • Free Investment counseling
  • Pays a higher rate than regular savings
  • Rates are fixed an in effect for the term of the account
  • Terms available from 12 to 60 months
  • Dividends can be paid to the Roth IRA Share Certificate or another Roth IRA account
  • Early withdrawal penalty applies
  • Certain IRS restrictions apply
  • Deposits federally insured up to $250,000 through the NCUA
  • $1,000 deposit to open the account

*Consult your tax advisor.