IRAs

• Save time and make deposits at any time with payroll deduction or direct deposit
• Save money and enjoy tax benefits
• Low $50 minimum opening deposit allows you to get started on your retirement savings now
• Competitive Rates
• Traditional, Roth, Simplified Employee Pension and Coverdell ESA available
• No risk of losing your principal balance
• Federally insured by the NCUA (it's like the FDIC but for credit unions)

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One of the biggest difference between a Traditional and Roth IRA is how and when you receive tax benefits.

The benefit of a Traditional IRA is your contribution is tax deductible. You want all the deductions you can get right? Instead of paying the taxes now, your taxes are due in retirement when you take distributions or make withdrawals from your IRA.

A Roth IRA is the reverse of a Traditional IRA meaning you pay taxes upfront and the contributions are not tax deductible. The benefit of a Roth IRA is that your withdrawals in retirement are not taxed because you've already paid the taxes.

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Transparency is important to us. Our fine print is actually the same size as anything else we talk about. For all the legal speak please review the current Rate and Fee Schedule. Here are the highlights.

• Your certificate automatically renews for another term when it matures
• After maturity, you have 7 days in which to make a deposit or withdraw funds in the account
• A penalty may be imposed if you withdraw the funds before the maturity date

Early withdrawal penalties

• 6 - 12 month certificates - dividends earned, up to 90 days
• 13 - 60 month certificates - dividends earned, up to 180 days
• See the Rate & Fee Schedule for early withdrawal exceptions

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