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Individual Retirement Accounts (IRA)

Individual Retirement Account (IRA):

The Credit Union offers no-risk IRA products providing stable returns to help you plan for retirement. Members can contribute up to a certain limit each year (see chart below) or 100% of earned income, whichever is less. Contributions may be tax deductible.


  • Traditional IRA: Earnings grow tax-deferred, but are taxable as income upon withdrawal. Contributions may be tax deductible. Click here to download the form or call (914) 923-3608.

  • Roth IRA: Contributions are taxed up-front, but the earnings will grow tax-exempt, and you will not be charged income tax upon withdrawal if you meet the requirements for a qualified distribution. Click here to download the form or call (914) 923-3608.
  • IRA Savings: Not ready to contribute $500 to an IRA? Don't worry. Open an IRA savings account with a minimum deposit of $20 and make additional contributions when you can. The savings can be either Traditional or Roth accounts. Click here to apply.

Additional Resources:

For more information, or to open an IRA Account, please contact us using our secure contact form or call (914) 923-3608.


*APR = Annual Percentage Rate  

**APY = Annual Percentage Yield