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Certificate & IRA

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Boost your savings with a certificate

Save today, so you can enjoy a better tomorrow. Investing in a Certificate is a safe way to earn a guaranteed return on your investment that is federally insured up to $250,000 by the National Credit Union Administration.

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Certificate Features 

Individual Retirement Accounts (IRAs)

Help secure your future with an Individual Retirement Account (IRA). We offer both Traditional and Roth IRAs at competitive dividend rates. Each plan offers different benefits that can elevate your retirement2. We also accept rollovers and transfers from other financial institutions.

Need help deciding which option is best for you?

Traditional

You may benefit from a traditional IRA if:

  • You expect to be in the same or lower tax bracket when taking withdrawals
  • You are elegible to deduct a contribution on your taxes

When do I pay taxes on a Traditional IRA?

  • Enjoy tax-deferred growth now and pay taxes on your withdrawals when you retire.

When can I contribute to a Traditional IRA?

  • Contribute up to the limit at any time when earning income

Roth

You may benefit from a Roth IRA if:

  • You expect to be in a higher tax bracket when taking withdrawals
  • You don't need a tax deduction


When do I pay taxes on a Roth IRA?

  • Pay taxes on your contributions now and enjoy tax-free withdrawals later


When can I contribute to a Roth IRA?

  • Contribute up to the limit at any time when earning income

Roth IRAs

Roth IRAs require you to pay taxes now, but the money you save will grow tax-free, and you can make tax-free withdrawals during your retirement years as long as you meet certain requirements. Roth IRAs have more flexible rules for early withdrawal than Traditional IRAs.

Traditional IRAs

Traditional IRAs allow you to make tax-deductible contributions and defer taxes on your earnings. That means you get a tax break now while you’re saving, and pay income taxes when you begin making withdrawals during retirement.

Our IRAs1 offer:

  • $5 minimum to open
  • Dividends are compounded and paid quarterly
  • Federally insured up to $250,000 by NCUA
  • Possible tax-deductible contributions and tax deferred earnings

1 Federally insured by NCUA. Dividends are compounded and credited quarterly. Penalties may apply for early withdrawals from certificate accounts. Offering and rates subject to change. Fees may reduce earning. Learn more.

2 Consult with you tax professional for tax related details.