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Individual Retirement Accounts (IRA)

The Credit Union offers no-risk IRA products providing stable returns to help you plan for retirement. 

  • Traditional IRA: Earnings grow tax-deferred, but are taxable as income upon withdrawal. Contributions may be tax deductible. 

  • 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. 

  • 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.

Additional Resources:

For current rates, click here.

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