IRAs as Individual as You Are

An Individual Retirement Account provides for your future needs while also offering tax savings.

Traditional IRA

An account that allows you to defer taxes on your earnings until those earnings are withdrawn. Additionally, certain contributions may be tax deductible in the year they are made. Double savings.

Roth IRA

Features tax-free withdrawals for certain distribution reasons after a five-year holding period. Since Roth IRA contributions are non-deductible and taxed when they are earned, Members who expect to be in higher tax bracket when they retire may benefit more from a Roth than a traditional IRA. Also, unlike a traditional IRA, there is no requirement to begin taking distribution at age 70½.

  • Establish an IRA account using any of CFCU's savings or certificate programs
  • Minimum of $100 required to begin an IRA account
  • Contribute via "lump sums" or by regular deposits
  • Dividends paid monthly

As always, consult your tax advisor for what's best for your unique circumstances. The annual maintenance fee of an IRA is only $5.

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