Individual Retirement Accounts

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Individual Retirement Accounts (IRAs)

Help your financial security in retirement by opening an IRA. View IRA rates.

Traditional IRAs*

Our IRAs offer:

  • No annual administrative fees
  • IRS penalty-free withdrawals for:
    • Qualified educational expenses
    • First time home purchase
    • Reaching age 59-1/2
    • If you become disabled
    • Qualified medical expenses
    • Payment to beneficiaries at IRA owner's death
    • Health insurance premiums while unemployed
    • Birth or adoption of a child

Note: Withdrawal of earnings and deductible contributions may result in taxable income.

Roth IRAs*

Money you contribute has already been taxed, so the principal amount is never subject to taxes or penalties in the future as long as you stay within the contribution guidelines. This plan allows the money you contribute to grow tax-deferred.

*Please consult your tax advisor.

Frequently Asked Questions About IRAs.

Federally Insured by NCUA

Deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the U.S. government. IRAs are insured up to an additional $250,000. Use the NCUA's Deposit Insurance Calculator to learn how share insurance rules apply - what's insured and what portion (if any) exceeds coverage limits.

Stop by any branch location or schedule an appointment to open an IRA.