Individual Retirement Account
Most people are looking forward to the days when they can finally take up that gardening hobby, or travel, or spoil their grandchildren rotten. But it will be a lot more difficult to do these things if they don't start saving for retirement now.
The IRA Certificate allows you to save at a higher rate of return and is an easy way for you to prepare for your retirement.
- Traditional IRA
- Earns higher dividends than regular savings accounts
- Tax deductible contributions
- Funds can be used to buy CD investments
- Available to everyone; no income restrictions
- Taxes paid on dividends when withdrawn from the IRA
- Free eStatements
- Penalty for early withdrawal
- NCUA insured
Take a look at our rates.
- Roth IRA
- No minimum deposit*
- No minimum age*
- Can be withdrawn tax-free and penalty-free at any time
- May be withdrawn tax-free and penalty-free for first time home purchase*
- Contributions not tax deductible
- NCUA insured
*Consult your tax advisor for tax-related information concerning Roth IRA accounts specific to your tax situation. Your deposits are federally insured to at least $250,000 by the National Credit Union Administration and backed by the full faith and credit of the U.S. Government.
