Set the stage for the best years of your life.
Let us take the guesswork out of retirement planning, whether you're at the beginning of your career or nearing retirement.
Your retirement goals are within reach
Multiple plan options
Flexible terms and competitive rates
Federally insured by NCUA
Individual Retirement Arrangements (IRAs) are designed to provide flexibility and accessibility while securing your future. It's never too late to start saving, and our IRAs ensure you have the means to achieve your financial goals. With competitive rates, no setup or maintenance fees, and federal insurance up to $250,000 by the National Credit Union Administration, investing in an IRA eliminates worry and paves the way for comfortable living in your retirement years.
Traditional IRA
The appeal of a tax deduction is why many choose a Traditional IRA. If you are eligible to deduct Traditional IRA contributions, you may want to save with a Traditional IRA.
- Save with tax-deferred earnings and the possibility of tax-deductible contributions.
- Potential earnings accrue tax-deferred.
- You can withdraw your assets anytime, but taxes and penalties may apply, depending on your age and what type of assets you remove.
Roth IRA
The lure of tax-free money is why many choose a Roth IRA. If you’re eligible to make Roth IRA contributions, you may want to explore this savings option more in depth.
- Roth IRA contributions must be included in your taxable income, therefore they are not tax-deductible. But because of this you can withdraw your contributions at any time, tax- and penalty-free.
- Any earnings generated within the IRA are tax-deferred.
- If you satisfy the qualified distribution* requirements, you can withdraw the earnings tax-free.
Coverdell IRA
Secure a brighter future for the child in your life with a Coverdell Education Savings Account (ESA). Make tax-free contributions annually until the child turns 18**, and watch the earnings grow tax-deferred within the ESA. When it's time to cover qualified education expenses, rest easy knowing both contributions and earnings can be withdrawn tax-free.
- Qualified education expenses include tuition, fees, books, supplies, equipment, and, in some cases, room and board.
- Anyone, family member or non-family member, can contribute to a child's ESA. Consult a tax advisor as certain income limits apply.
- Contributions of up to $2,000 per year may be invested in a Coverdell ESA.
6 Tips for your First Credit Card
Getting your hands on your very first credit card can be a thrilling experience. However, before you plan everything you want to buy, it’s important to understand how credit cards work.
6 Tips for Your First Credit Card
Resources to support your financial goals
Checking accounts to fit your lifestyle
Get the checking account features you want most, with all the service, trust, convenience and value you deserve.
* A Roth IRA qualified distribution occurs when money is withdrawn from your Roth IRA after you have owned a Roth IRA for at least five years, and you are age 59½ or older, disabled, a first-time homebuyer, or deceased.
* The age 18 limit does not apply to special needs individuals.