It is never to early to start saving for your future. An Individual Retirement Account (IRA) might be exactly what your looking for.
Traditional IRA
- No minimum balance
- Earn Dividends on balances of $100 or greater
- No monthly service charge
- Direct deposit and other deposit options
- Insured by NCUA
- Dividends compounded daily and paid quarterly
- Contributions may be tax deductible*
- Qualifies for a Patronage Dividend
| IRA Savings | Account Balance | Rate/APY |
|---|---|---|
| $0 to $99 | .00% / .00% |
|
| $100+ | .10% / .10% |
| Term Certificates | Term | Rate/APY | Calculator |
|---|---|---|---|
| Savings & IRA*** (Minimum $250) | 15 Month Special# | .47% / .47% | Calculator |
| 6 Months | .25% / .25% | ||
| 12 Months | .35% / .35% | ||
| 24 Months | .40% / .40% | ||
| 36 Months | .45% / .45% | ||
| 48 Months | .50% / .50% | ||
| 60 Months | .55% / .55% |
-or-
Call Us – we take applications by phone during branch hours (716) 632-9328.
Roth IRA
- No minimum balance
- Earn Dividends on balances of $100 or greater
- No monthly service charge
- Convenient deposit options
- Insured by NCUA
- Dividends compounded daily and paid quarterly
- Contributions are not tax deductible, but your earnings and withdrawals are generally tax-free*
- Qualifies for a Patronage Dividend
-or-
Call Us – we take applications by phone during branch hours (716) 632-9328.
*Always talk with your tax advisor to help you determine the IRA that is right for you.