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INDIVIDUAL RETIREMENT ACCOUNTS (IRA'S)

Depositing to an Individual Retirement Account helps you take control of planning your retirement. The easy way is to deposit a small amount every payday by an allotment or direct deposit. The credit union offers a choice of IRA savings plans that can assist you with your future savings goals. IRA accounts are subject to deposit and withdrawal restrictions.

The credit union offers Traditional IRA Accounts, Roth IRA Accounts, and Coverdell Educational Savings Accounts (ESA’s). Share types and Term Share Certificates are available for all IRA account options. Contact your tax professional for advice when considering establishing any type of IRA account.

The National Credit Union Administration, one of the most powerful federal insurance funds in the nation, insures your IRA share accounts up to $250,000.00. American Share Insurance insures qualifying accounts for an additional $250,000.00, resulting in total coverage of $500,000.00 per account.

The following IRA share types are available:

IRA Accumulation Account:
Start your IRA account by depositing to this account. A small deposit every payday can assist in your retirement planning.

IRA Split Rate Account:
With a minimum balance deposit to this IRA tiered rate account. Earnings on this account are based on the balance you have on deposit; the more you save, the more you earn in dividends. Click here for a listing of Current IRA Share Rates.

IRA Term Share Certificate
Term Share Certificates are available for members that request to invest their IRA funds for a defined period of time. Check here for details on Term Share Certificates.