IRAs

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IRA Rates From 0.50% APY* up to 2.94% APY*

It's never too early to start building your retirement savings. 1st CCU offers terms up to 60 months, with great rates and IRA options to fit your needs. Let us help you start a new IRA or transfer an existing IRA from any other financial institution.

Call 888-706-1228 or stop in to speak with a Member Service Representative! 

SEE ALL SAVINGS RATES


*APY=Annual Percentage Yield. Rates current as of April 1 2019. The Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. A penalty may be imposed for withdrawals before maturity. Other restrictions may apply. Membership eligibility required. Rates subject to change daily.  Some accounts have minimum opening deposit requirements, minimum balances to receive the posted rate, or early withdrawal penalties. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. 

Your IRA savings are federally insured separately from your regular savings, up to $250,000. Consult your tax professional regarding income and contribution limits and to obtain further information which may apply to this account.


Traditional IRA

A Traditional IRA offers tax-deferred earnings & the possibility of tax-deductible contributions. These tax advantages make the traditional IRA a powerful tool in creating a balanced, long-term savings plan. 

Roth IRA

The Roth IRA offers more incentives to boost your retirement nest egg. Unlike traditional IRA's, your contributions to a Roth IRA are never tax-deductible. The money in your Roth IRA, including earnings, can be withdrawn tax-free. Must conform to plan provisions to get this tax-free advantage. 

Education IRA (Coverdell Education Savings Account)

The purpose of the Coverdell ESA is to help you pay for your child's education expenses such as tuition, fees, books & supplies. Contributions to a Coverdell ESA are never tax-deductible. A Coverdell ESA offers you the potential for tax-free withdrawals - including earnings.