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IRAs

The good news is you have a retirement plan.
The bad news is that it’s winning the lottery.

Hoping one day you’ll select the right ping pong balls is not a retirement plan. Sorry to burst your bubble. If you want to be financially secure by the time you’re sporting those black, oversized, Terminator-style sunglasses and wearing your pants up to your armpits, then check out our various Individual Retirement Account Options. We’ll get you on the road to retirement — where you’ll be driving 30 mph and barely able to look over the steering wheel.

It’s never too early or too late to start saving. Be sure to contact your financial planner to help assist you with which account would work best for you.

Traditional IRA*:
  • No monthly service fee
  • $50 minimum balance to open and earn dividends
  • Tax-deferred earned and possibly tax-deductible contributions
  • $6,000 maximum annual contribution
  • No penalties if withdrawals are made at 59.5 or older
  • Minimum withdrawals must be made by the age of 70.5
  • Withdrawals may be considered taxable
  • Federally insured by NCUA up to $500,000
Roth IRA*:
  • No monthly service fee
  • $50 minimum balance to open and earn dividends
  • Contributions are not tax deductible and can be made up to any age
  • Withdrawals are tax deductible after five-year holding period
  • $6,000 maximum annual contribution
  • Begin withdrawing at 59.5 years old
  • Federally insured by NCUA up to $500,000
Coverdell IRA*:
  • No monthly service fee
  • $50 minimum balance to open and earn dividends
  • $2,000 maximum annual contribution per child
  • Contributions can be made until the child is 18 years old
  • Withdrawals are tax free when used for qualified educational expenses
  • Contributions are taxable
  • Federally insured by NCUA up to $500,000

Also, check out our rates.

Disclaimers
*Be sure to consult your financial advisor.