IRAs
Saving for Retirement
If your vision is retirement, our purpose is to help you prepare. IRAs are a great start to your retirement savings and can also enhance your other retirement accounts.
- Open with a minimum deposit of $500.00
- IRA Certificate options also available to lock in your savings rate for up to 3 years
- Earn dividends up to 4.25% APY*
- Insured up to $500,000 with coverage from NCUA and ESI
Traditional IRA Benefits
- Traditional IRAs are potentially tax-deferred retirement plans. Pay no taxes on the money you earn until you withdraw the funds.
- Contributing to your IRA may help your annual tax return.
- Contributions can be made as long as you have earned income and you’re below the age of 70½.
Roth IRA Benefits
- With a Roth IRA, you pay taxes now and withdraw the funds tax-free when you retire.
- Contributing to your IRA may help your annual tax return.
- Contributions can be made after the age of 70½ without any required minimum distributions as long as you have earned income.
*APY is Annual Percentage Yield. Membership share account required for all savings, checking, CDs and IRA accounts.
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