Build Your Retirement with Confidence
Take Control of Your Retirement with an IRA Savings Account Designed to Build Long-Term Wealth
A Stronger Future Begins Today
Traditional Roth
Contributions may be tax-deductible; earnings grow tax-deferred1.
No income limits, available to all eligible earners.
Often ideal if you expect to be in a lower tax bracket in retirement.
Your contributions grow tax-free1 throughout the years. When you withdraw the money after age 59.5, the money gets taxed as income.
Roth IRA
Withdraw contributions (not earnings) penalty-free, offering flexibility.
Subject to income limits: must earn under $161,000 (single) or $240,000 (joint).
A strong fit if you expect higher income later. Keep in mind: you must wait five years after your first contribution before withdrawing contributions penalty-free.
Retirement Certificate (CDs)
Fixed rates for 18-month or 3-year terms.
Higher earning potential than variable-rate IRA savings.
Automatic rollover at maturity for continued growth.
Available with either Traditional or Roth IRA tax treatments1.
How Do I Choose the Right IRA Savings Account?
Income Limits
Roth IRAs have income caps, while Traditional IRAs are open to anyone with eligible earned income.
Future Tax Bracket Expectations1
A Traditional IRA can be beneficial if you expect lower taxable income in retirement.
A Roth IRA may be stronger if you anticipate higher income or tax rates later.
Timing & Flexibility
Roth IRAs allow penalty-free withdrawals of contributions (not earnings) after five years.
Traditional IRAs restrict withdrawals until 59½ without penalty.
Lifestyle Considerations
Many retirees experience lower expenses, which may influence their tax bracket, and the best IRA choice.
Simple Rule of Thumb
If you exceed Roth income limits, a Traditional IRA is your only option.
If long-term flexibility matters most, a Roth may be the better fit.
Did You Know?
Explore the benefits to opening an IRA retirement savings account with us
You can manage your savings from anywhere.
Your money stays close to home.
We offer better rates than most banks.
Being a member comes with perks.
Disclosures
APY(s)=Annual Percentage Yield(s) accurate as of 12/1/2025. Certificates earn dividends. Certificate minimum opening deposited of $500. IRA Certificates have fixed rates for 18 or 36 months. Early withdrawal penalties may apply. Traditional and Roth IRA rates are variable and subject to change. Tiered balances earn tiered rates. Early withdrawals, fees, and other conditions could reduce the earnings on the account. Credit Union membership required. Subject to approval. Certain restrictions may apply. Accounts federally insured to at least $250,000 by the National Credit Union Administration.
1Consult your tax advisor about IRA eligibility, contributions, qualifications, and early withdrawal penalties.