IRAs

You don’t have to do it alone. Take advantage of the tax savings and helpful advice from your credit union experts.

Planning for retirement isn’t as hard as it sounds, but there are a lot of options out there. Roth or Traditional? Mutual fund, ETF, annuity, certificate, or savings account? Meet with one of our local retirement experts to discuss your best IRA options and get the most out of your hard-earned money. No matter what you’re pulling in each week, you can turn a little into a lot and retire with something significant waiting.

PRODUCT FEATURES

1. Tax Benefits
   Traditional IRA contributions are tax-deductible on both state and federal tax returns for the year you make the contribution. Withdrawals in retirement are taxed at ordinary income tax rates. Roth IRAs provide no tax break for contributions, but earnings and withdrawals are generally tax-free.
2. No Fees or Service Charges
   Ever.
3. Automatic Transfers
   Set up automatic transfers within Online Banking to help reach your savings goals.
4. eStatements
   View your account history anytime through eStatements. Paper statements also available.
5. 24/7 Access
   Access your account anytime through any of our Smart ATMs, Online and Mobile Banking, or by telephone with Automated Access. The choice is yours.

Traditional or Roth IRA

Ready to learn more or begin planning? You’re not alone! Meet with our Fixedeposit Financial Services team to open your IRA account with the perfect investment strategy. We can work with you to help design a comprehensive retirement plan that’s comfortable for you now yet secures your financial future. Make an appointment with Fixedeposit Financial Services today.

IRA Certificates (Includes Roth)

The compound interest earned with this certificate can be calculated monthly or quarterly.

OTHER IRA OPTIONS

IRA Savings Account (Includes Roth)

The compound interest earned with this savings account is calculated daily.