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IRA ACCOUNTS

IRA ACCUMULATION

One of Credit Union One's most popular IRA services is our IRA Accumulation Account. Money on deposit can be withdrawn at any time, and there is no maturity date. Accumulation Accounts pay quarterly dividends and carry tiered rates, depending on the balance. A minimum deposit of $25 is required to open the account. There are no monthly maintenance fees and you may add funds at any time.

 

ROTH IRA

It’s pretty well accepted that everyone should save for retirement, but just how important is it? Absolutely Essential

A Roth IRA is an individual retirement account that offers a valuable future tax break: tax-free income in retirement. Earnings from a Roth IRA are tax-free if the account is open for a minimum of five years. Roth IRAs make the most sense if you expect your tax rate to be higher during retirement than your current rate. That makes Roth IRAs ideal savings vehicles for young, lower-income workers who won’t miss the upfront tax deduction and who will benefit from decades of tax-free, compounded growth. Roth IRAs also appeal to anyone who wants to minimize their tax bite in retirement as well as older, wealthier taxpayers who want to leave assets to their heirs tax-free.

 

COVERDELL IRA

 

Feel secure that your child's education will be paid for. A Coverdell Education Savings Account (ESA) is an account created as an incentive to help parents and students save for education expenses. The total contributions for the beneficiary of this account cannot be more than $2,000 in any year. A beneficiary is someone who is under age 18 or is a special needs beneficiary. Contributions to a Coverdell ESA are not deductible, but amounts deposited in the account grow tax free until distributed.  The beneficiary will not owe tax on the distributions if they are less than a beneficiary’s qualified education expenses at an eligible institution. This benefit applies to qualified higher education expenses as well as to qualified elementary and secondary education expenses.

 

 

 

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Accounts are federally insured to at least $250,000 by NCUA (National Credit Union Administration).

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