Individual Retirement Accounts

Traditional IRAs

An Individual Retirement Account (IRA) enables you to save for the future, and set specific strategies to help you reach your savings goals. There are numerous ways to save with an IRA, depending upon your needs and age. No matter your life stage, it’s never too soon or too late to save for the future.

  • Earnings grow tax-deferred until withdrawn
  • Contributions may be fully-, partially-, or non-tax deductible
  • Certain withdrawals may be penalty-free for qualifying reasons
  • Peace of mind with NCUA insurance up to $250,000

Roth IRAs

Contributions are made after tax dollars and can be withdrawn tax- and penalty-free at any time, for any reason. Earnings are also tax- and penalty-free if the account has been open for five tax years, and the withdrawal is for a qualified reason.

  • After-tax contributions
  • Penalty-free withdrawals
  • Invest as a share (savings) account or CD
  • Peace of mind with NCUA insurance up to $250,000


All of the above accounts can be invested in a Share (savings) Account or Term Share Certificate of Deposit (CD). Fees may reduce earnings.