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Choose the Roth IRA if you don’t need a tax break right now. Eligible contributions to the Roth IRA may be non-deductible, but qualified distributions may be generally considered tax-free. There may not be any mandatory distributions at age 70½ and qualified distributions may not be subject to a federal tax penalty.
Interest and earnings are tax-free when certain conditions are met.
There are no age restrictions on who can invest.
Roth IRAs make early withdrawals easier than a traditional IRA.
Roth IRAs are similar to Traditional IRAs, with the biggest difference between the two is how they’re taxed. Roth IRAs are funded with after-tax dollars; the contributions are not tax-deductible. But when you begin withdrawing funds from the account, the money is tax-free. As opposed to Traditional IRA deposits which are usually made with pretax dollars; you generally get a tax deduction on your contribution and pay income tax when you withdraw the money from the account during retirement.
The above statements are not intended as tax advice. Please consult a tax professional for further details.
Rates effective 03/01/2022.
Minimum Balance‡
For more information, please see our retirement page. Please contact a Credit Union employee or call us for further information about applicable fees and terms.
Federally insured by NCUA
2APY (Annual Percentage Yield) is the actual effective annual yield after the compounding of interest/dividends.
‡Minimum Balance to Maintain Stated APY
Rates and yields are subject to change without notice. Some accounts require a specific minimum balance to earn the stated APY. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
Rates effective 05/12/2022.
Minimum Balance‡
For more information, please see our retirement page. Please contact a Credit Union employee or call us for further information about applicable fees and terms.
Federally insured by NCUA
2APY (Annual Percentage Yield) is the actual effective annual yield after the compounding of interest/dividends.
‡Minimum Balance to Maintain Stated APY
Rates and yields are subject to change without notice. Some accounts require a specific minimum balance to earn the stated APY. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
Rates effective 05/12/2022.
For more information, please see our retirement page. Please contact a Credit Union employee or call us for further information about applicable fees and terms.
Federally insured by NCUA
2APY (Annual Percentage Yield) is the actual effective annual yield after the compounding of interest/dividends.
‡Minimum Balance to Maintain Stated APY
Rates and yields are subject to change without notice. Some accounts require a specific minimum balance to earn the stated APY. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
Rates effective 05/02/2022.
Are you thinking about investing but aren’t sure where to begin? CDs and IRAs are a good, low-risk place to start investing in your future.
Our automated account switching solution makes it easy for you to quickly and securely switch over your recurring direct deposits and automatic account payments.