The Credit Union offers Traditional, Roth and Coverdell (Educational) IRA's.  Please consult your tax advisor for specifics of each IRA and which would best suit your retirement needs. 

 Traditional IRA's offer a tax-deferred retirement account, earning higher dividend rates, subject to rules and limits set by the IRS.  Choose from an IRA Share Certificate or IRA share savings account.

• Dividends earned are tax-deferred until withdrawn
• Dividends are paid and posted monthly
• Contributions may qualify as a tax deduction
• Choose from 6 month, 1,2,3 or 4-year Share certificates or IRA share account
• Subject to penalty for early withdrawal
• NO annual fees

ROTH IRA's offer a non-deductible retirement account that feature tax-free withdrawals for certain distribution reasons after a five year holding period. Choose from an IRA Share Certificate or IRA share savings account

• Tax-free withdrawals for certain distribution reasons after five-year holding period
• Dividends are paid and posted monthly
• Choose from 6 month, 1,2,3 or 4-year Share certificates or IRA share account
• Subject to penalty for early withdrawal
• NO annual fees

Coverdell (Educational) IRA's offer tax-deferred accounts for educational expenses.   Choose from a Share Certificate or share savings account for investments. 

• Tax-free withdrawals for specific educational distribution reasons
• Dividends are paid and posted monthly
• Choose from 6 month, 1,2,3 or 4-year Share certificates or IRA share account
• Subject to penalty for early withdrawal
• NO annual fees