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Prepare for your future with IRAs

Individual retirement accounts are a great way to ensure your financial security down the road. Take a look and see which option sounds right to you.

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Traditional IRAs

Our IRAs offer ZERO annual administration fees.* As in zilch. Nada. You can also make IRS penalty-free withdrawals for:

  • Qualified educational expenses

  • First-time home purchase (congrats!) 

  • Qualified medical expenses 

  • If you become disabled 

  • Reaching age 59-½ (happy half birthday!)

  • Payment to beneficiaries at IRA owner’s death 

  • Health insurance premiums while unemployed 

  • Birth or adoption of a child

Traditional IRAs: Frequently asked questions

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Roth IRAs: Pay taxes now, benefit later

The money you contribute to a Roth IRA has already been taxed, so the principal amount isn’t subject to taxes or penalties in the future when you stay within the contribution guidelines. Basically, paying the tax now (quick, like a Band-Aid!) means you won’t have to stress about it later.

Roth IRAs: Frequently asked questions

Insurance = confidence.

Unlike IRAs invested in the stock market, your 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. You can check out the NCUA’s Deposit Insurance Calculator to learn more about how your savings are covered.

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*Withdrawal of earnings and deductible contributions may result in taxable income for Traditional IRAs. Please consult your tax advisor.