Reach your endless vacation with a tax-advantaged1 IRA
Whether you’re getting started or getting closer, get there faster.
Very friendly, very well versed, and knowledgeable. Really enjoyed the conversation, the experience, and the interaction. Made me feel at home. We even shared pics our grandchildren. I told my son, and he's planning to switch his account to this credit union as he says this is the type of financial relationship he also needs. Thanks for the great service and the wonderful experience. I'll be sure to spread the word.
Pamela O.
All the extras you need
-
![]()
Earn Competitive Dividends
-
![]()
No Setup or Maintenance Fees
-
![]()
Tax Advantages1
Earn Competitive Dividends
No Setup or Maintenance Fees
Tax Advantages1
IRA Certificates
- Fixed dividend rate is set when you open your certificate for a fixed length of time2
- Compounding dividend is paid quarterly and at maturity
- $1,000 or $10,000 minimum deposit to open
- Federally insured by the NCUA up to $250,000
IRA Savings
- Competitive dividends above standard savings rates8
- Traditional and Roth IRA options
- No setup fees
- No monthly or annual maintenance fees
- Annual contribution limits apply (see current contribution limits)
- $25 minimum deposit to open
- Federally insured by the NCUA up to $250,000
Market Rate IRA
- Competitive dividends above standard savings rates8
- Pays a market rate dividend that is declared at the end of each month8
- Traditional and Roth IRA options
- No setup fees
- No monthly or annual maintenance fees
- Annual contribution limits apply (see current contribution limits)
- $25 minimum deposit to open
- Federally insured by the NCUA up to $250,000
There are advantages to both traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the greater tax benefit at time of retirement.
Traditional IRA
- No income limits to open
- No minimum contribution requirement
- Contributions are tax-deductible on state and federal income tax1
- Earnings are tax-deferred until withdrawal (when usually in lower tax bracket)1
- Withdrawals can begin at age 59½1,4
- Mandatory withdrawals at age 70½1
Roth IRA
- Income limits apply to open Roth IRA1
- Contributions are NOT tax-deductible1
- Earnings are 100% tax-free at withdrawal1,3
- Principal contributions can be withdrawn without penalty1,3
- Withdrawals on interest can begin at age 59½1,4
- No mandatory distribution age1,4
- No age limit on making contributions as long as you have earned income1,4
1Consult a tax advisor.
2A dividend penalty may be assessed for early withdrawal. Additional $1,000 "catch-up" contribution allowed for ages 50+
3Subject to some minimal conditions.
4Early withdrawals subject to penalty.
5Qualified expenses include tuition and fees, books, supplies, board, etc.
6To contribute to an ESA, certain income limits apply. Consult your tax advisor to determine your contribution limit.
7Those earnings are subject to income tax and a 10% penalty.
8Monthly dividend rate may change and pay monthly on the account's average daily balance within the listed rate tier, and may result in a blended rate for the entire balance. See current rates.