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IRAs

IRA Certificate Special4

IRA Certificate Special

IRA Certificate Accounts allow you to save for retirement in a tax-advantaged way by putting the funds into an IRA Certificate Account for a fixed term. Terms range from 36 months to 60 months. The longer you pledge the funds, the greater the dividends.

  • Traditional and Roth options
  • Fixed dividend rate
  • Fixed-term rate
  • $500.00 minimum contribution

VIEW RATES  OPEN AN IRA CERTIFICATE

How to open an IRA Certificate:

  1. Select which type of IRA Certificate you would like from the options provided
  2. Fill in the required owner information and select Next
  3. If applicable, fill in beneficiary information and select Next
  4. Indicate whether you will contribute to this IRA Certificate
  5. Select the default IRA product and select Next
  6. Fill in the required fields on the Review and Sign Page
  7. In the Comment Box, indicate which IRA Certificate term you would like
  8. Fill in the electronic signature information and select Submit Signature
INDIVIDUAL RETIREMENT ACCOUNT (IRA)1

An Individual Retirement Account (IRA) is like a 401(K) plan but for individuals.  An IRA is a savings account that lets you invest and grow your money for retirement in a tax-advantaged way.  IRAs are designed for tax-free or tax-deferred savings growth.  Thanks to those tax-advantages, you'll save more money now and for FUTURE YOU.  

There are more reasons why IRAs are a great tool to grow your retirement savings.  IRA accounts, since they belong to YOU (the individual) and are exclusively yours.  Any Member with a taxpayer identification number (i.e., social security number), regardless of age, can open and contribute to an IRA account.  That means it's EASY to open and begin immediate contributions to an IRA account.

How it Works:

Simply add money to your IRA over time and watch your investment grow. Eventually, investments can be withdrawn to provide income for retirement.  There are two main types of IRAs.  Both are tax-deferred as long as the money remains in the IRA:

  • Traditional IRAs
  • Roth IRAs

Invest in yourself!  Open an IRA account!

What type IRA is best for you?
Traditional IRA1

Traditional IRAs are individual retirement accounts that allows you to make contributions with pre-tax dollars for immediate tax benefits. 

  • Earn up to a $1,000.00 tax credit
  • Contributions are made with pre-tax dollars
  • No income limits to make contributions
  • Distributions are required at a certain age

OPEN A Traditional IRA

Roth IRA2

Roth IRAs are individual retirement accounts that allows to you to make contributions with after-tax dollars.

  • Earn up to a $1,000.00 tax credit
  • Contributions are made with after-tax dollars
  • There are income limits to make contributions
  • No requirement of distributions at any age

OPEN a ROTH IRA

Retirement planning made easy with Ascensus3.

To offer our Members even more great benefits, we have a partnership with Ascensus, the largest independent retirement services provider in the United States. This partnership allows Members to easily complete IRA documents online before being sent to the Credit Union for processing.  Invest in yourself today!

GET STARTED  IRA CALCULATOR

Talk with our IRA consultants concerning specific information about rates, IRS guidelines, and account procedures by calling (800) 467-5427.