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Great changes are taking place at your Credit Union!
How you save for retirement can make the difference between crackers and caviar. What makes Individual Retirement Accounts (IRAs) such a great savings tool is the special federal tax laws governing IRA earnings.
Over time, these tax features can result in significantly larger IRA savings accumulations than available with ordinary savings tools.
How It Works: Choose the IRA plan best for you:
Then choose the savings option of how your funds will be deposited:
OPEN AN ACCOUNT
If you are depositing funds into an IRA Certificate, please complete the Certificate Application.
When you rollover your workplace 401(k) or other qualified retirement plan into a Traditional IRA, you get a variety of tax advantages. Your earnings grow tax-deferred and your contributions may be tax-deferred, too.
Distributions:
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Learn more at our IRA Service Center.
If you want more flexibility but don’t want to lose tax advantages, a Roth IRA might be a good choice. You can make after-tax contributions and you may be able to withdraw your earnings tax-free at retirement*. Plus, you have the freedom to withdraw most contributions at anytime.
A SEP IRA is a great option if you are self-employed or own a small business. Your earnings grow tax-deferred and your contributions may be tax-deferred*, too. For individuals who are self-employed or own a small business: (the following two bullets seem to be missing something. They aren’t connected correctly to this lead-in sentence)
You can also open a SEP IRA by completing IRS Form 5305 and returning it to your local branch.
APY = Annual Percentage Yield. APY is the annualized rate based on a compounding period of one year. When the deposited money earns interest and the accumulated interest starts earning interest as well, we are talking about compounding. Fees could reduce the earnings on an account. All rates except certificate rates are subject to change retroactively to the beginning of the month.
*Consult your tax advisor regarding tax consequences and your specific situation.