Prepare now for a comfortable retirement with our Individual Retirement Accounts (IRAs). Whether you're enhancing your existing 401(k) or starting fresh, our Traditional and Roth IRAs provide a secure path to grow your savings. Open an account with as little as $5 and begin building towards a financially secure future.

Traditional IRA

• Tax Benefits
  Contributions may be tax-deductible, reducing your taxable income.
• Growth Potential
  Earnings grow tax-deferred, accelerating your investment growth.
• Withdrawal Rules
  Penalty-free withdrawals after age 59½, taxed as current income.
• Contribution Limits
  Up to $7,000 annually (under 50); $8,000 (50 and over).
• Usage Flexibility
  Can fund first home purchases, higher education, or medical expenses (taxed).

Roth IRA

• Tax-Free Withdrawals
  Earnings and qualified withdrawals are tax-free.
• No Mandatory Withdrawal Age
  Keep your money invested as long as you like.
• Contribution Limits
  Up to $7,000 annually (under 50); $8,000 (50 and over).
• Income Limits
  Accessible for individuals earning under $161,000 and married couples under $240,000.
• Usage Flexibility
  Qualified withdrawals for first home purchases, education, or medical expenses are tax-free.

Peace of Mind with Added Protection

To further protect our members' accounts, we provide the highest combination of federal and private share savings deposit insurance available: $500,000, which includes savings accounts, checking accounts, money market accounts, and share certificates.

Ready to secure your future with an IRA? Our experts are here to help you navigate the complexities of retirement planning. Visit our branches or call us at (850) 233-4400 to get started.