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Individual Retirement Accounts (IRA)

There's no better time than the present to save for the future. Contributing to an IRA is a good idea for anyone hoping for a worry-free retirement.  For a limited time, check out our IRA Special!

We offer three types of IRA Certificates that earn above-market dividend rates:

1. Traditional IRAs - Terms from 6 months to five years; $1,000 minimum.

2. Roth IRAs - Terms from 6 months to five years; $1,000 minimum.

3. Basic IRAs - A totally liquid account with no minimum balance and no term requirements. This is a great account to begin saving for retirement without making a large investment. Move the funds any time into other IRA investments with no fees or penalties.

Learn more about the differences between Traditional and Roth IRAs at the link below.

Please call us at 1-800-222-1329 for more information and IRA applications.

Features
  • Tax-advantaged way to save money for retirement
  • Earn higher interest than regular savings
  • No setup or maintenance fees
  • See our current rates
Traditional vs. Roth

Traditional

  • Open to members under 70½
  • Contributions may be tax-deductible*
  • Penalty-free withdrawals may begin at age 59½
  • Mandatory withdrawals at age 70½
  • Early withdrawals subject to penalty**

*Consult your tax advisor.

**Certain exceptions apply, such as healthcare, buying your first home, etc.

Roth

  • Click here for Roth IRA contribution limits
  • Contributions are not tax-deductible
  • Withdrawals are 100% tax-free
  • Principal contributions may be withdrawn without penalty
  • Penalty-free withdrawals may begin at age 59½
  • Early withdrawals are subject to penalty**
  • No mandatory distribution age

**Certain exceptions apply, such as healthcare, buying your first home, etc.