One day you won’t be working.
The glory days of retirement will come, and those are your days to fill with family and fun–not worrying about your finances. Our retirement savings accounts make it easy to save more so later on you can worry less.
Secure your financial future today
No matter what stage you’re at in life, saving now with an Individual Retirement Account (IRA) can better prepare you for your future. Whether you are just beginning your career, planning for your family, or approaching retirement, it’s always wise to start saving with a Traditional IRA or a Roth IRA.
Competitive Rates
Enjoy higher returns on your investments and retirement savings plans with our competitive rates and various term options.
Expert Guidance
Our knowledgeable team is here to guide you through the process of selecting and managing your retirement accounts.
Secure Investments
Your investments and retirement savings are insured by the NCUA, providing peace of mind and financial security.
Traditional and Roth IRAs
| Tier | Actual Rate | APY** Variable |
|
Average daily balance of $100 – $1,999 |
0.05% |
0.05% |
|
Average daily balance of $2,000 – $9,999 |
0.10% |
0.10% |
|
Average daily balance of $10,000 – $49,999 |
0.15% |
0.15% |
|
Average daily balance of $50,000 – $99,999 |
0.20% |
0.20% |
|
Average daily balance of $100,000 and up |
0.25% |
0.25% |
Want to discuss your options with someone? Schedule an appointment now!
Which IRA Account is best for you? Let’s compare.
|
Traditional IRA Defer taxes on your contribution earnings until they are withdrawn. |
Roth IRA Enjoy eligible tax-free withdrawals after a five-year holding period. |
|
|
Contribution Requirements |
Add money at any age, as long as you have earned compensation |
Add money at any age, as long as you have earned compensation |
|
Required Minimum Distributions (RMDs) |
Must begin taking RMDs at age 72 |
RMDs do not apply |
|
Contribution Amount per Tax Year |
If you are 50 or younger you can contribute up to $6,000. Over 50, you can contribute up to $7,000 |
If you are 50 or younger you can contribute up to $6,000. Over 50, you can contribute up to $7,000 |
|
Best suited for: |
An individual who expects to be in the same or lower tax bracket when they start taking withdrawals |
An individual who expects to be in a higher tax bracket when they start taking withdrawals |
Learn more about planning for retirement now! We offer free financial education for anyone willing to learn!
Prepare for your future with a Roth IRA
An IRA can help you save more for retirement
Save for retirement with a Traditional IRA
Moving your retirement savings
HSA Savings Accounts
Coverdell ESAs
Inherited IRAs
Retirement Plan Distributions
Retirement plan for your business
There’s a plan for your business
An HSA completes your health benefits package
Helpful Financial Resources and Calculators
Retirement Savings Calculator
Estimate your future retirement savings
Retirement Income Calculator
Determine how much income you can expect in retirement
Am I Ready to Retire
Evaluate your retirement financial readiness.
Estate Planning Checklist
Make sure you have everything set