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
| Home of the Great Rate | Account Balance | Rate | APY |
|---|---|---|---|
| IRA Savings | $0 to $99 $100+ | 0.00% 0.15% | 0.00% 0.15% |
| Home of the Great Rate | Account Balance | Term | Rate | APY |
|---|---|---|---|---|
| Savings & IRA Term Certificates | $250+ | 6 Months 11 Months# 12 Months 24 Months 36 Months 48 Months 60 Months | 0.60% 1.90% 0.80% 0.90% 1.05% 1.20% 1.35% | 0.60% 1.92% 0.80% 0.90% 1.06% 1.21% 1.36% |
-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.