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+ | .25% / .25% |
| Term Certificates | Term | Rate/APY | Calculator |
|---|---|---|---|
| Savings & IRA*** (Minimum $250) (# Minimum for Special $5,000) | 13 Month Special# | 2.13% / 2.13% | Calculator |
| 6 Months | 1.10% / 1.10% | ||
| 12 Months | 1.50% / 1.51% | ||
| 24 Months | 1.75% / 1.76% | ||
| 36 Months | 2.00% / 2.02% | ||
| 48 Months | 2.25% / 2.27% | ||
| 60 Months | 2.50% / 2.53% |
-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.