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Like your membership, saving lasts a lifetime.


A new life can begin at retirement. Just like it can when you buy your first home or send your children off to college. Fortunately for our members, we offer IRA accounts to prepare for each of these occasions and more. Owners of Traditional, ROTH and Coverdell Education Saving Accounts will enjoy:

  • No minimum deposit required to open an IRA Savings account
  • No setup or annual fees
  • Dividends paid monthly
  • Insured for up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), part of the National Credit Union Administration (NCUA), a federal agency

Types of IRA Accounts

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Traditional IRA


A Traditional IRA allows you to contribute income before it’s taxed and enjoy tax-deferred earnings until retirement. This type of account may make sense if you anticipate paying taxes at a significantly lower rate in retirement.

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ROTH IRA


A Roth IRA allows you to contribute income after taxes and enjoy tax-free earnings until retirement. Roth IRA’s are more flexible because you do not have to take mandatory distributions at age 70½, and you can withdraw contributions at any time, tax-free and penalty-free after the account has been open 5 years.

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Coverdell Education
Savings Account


A Coverdell Education Savings Account allows you to save for your child’s’ higher education. They were created to pay for your child’s education expenses, such as tuition, fees, books, supplies, equipment, and, in some cases room and board, and computers.  Unlike state 529 plans, Coverdell ESAs can be used to pay for qualified elementary and secondary education expenses.