IRAs

1st CCU offers an add-on option or a certificate option to deposit your IRA funds.

*APY=Annual Percentage Yield. IRA Terms available from 12-60 months. Minimum $1,000 opening deposit requirements ($500 opening deposit requirement for minor children) and early withdrawal penalties apply. Contact 1st Community Credit Union for full details. Consult your tax advisor regarding income and contribution limits and to obtain further information which may apply to this account. The IRA also provides guidance in Publication 590 which can be found online at www.IRS.gov. Membership eligibility required. Anyone who lives or works in the counties of Monroe, La Crosse, Vernon, Trempealeau and Jackson is eligible for membership in 1st Community Credit Union. FEDERALLY INSURED BY NCUA.


Rates current as of 9/6/2016 and subject to change without warning. Click To View All Available Rates And Terms


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 The money in your Roth IRA, including earnings, can be withdrawn tax-free.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. 

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

Current IRA Contribution Limits







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