Accentra Credit Union

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Page Title

IRA

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IRA

Individual Retirement Accounts (IRAs) are accounts designed to help you save specifically for retirement. An IRA is an excellent investment if Social Security and pension plans won’t be enough to support your lifestyle and provide financial security when you reach retirement.

Accentra IRAs feature the following:

  • A choice of Traditional or Roth
  • Minimum opening deposit of $20.00
  • Dividends compounded and credited quarterly
  • No administration fees or monthly service charges
  • Direct deposit services
  • Free 24/7 access through Mobile and Online Banking
  • Federally insured by the National Credit Union Administration (NCUA) at an additional $250,000 above the $250,000 of insurance on other deposits at the credit union

If you’re not sure which IRA is right for you, here are a few things to consider:


  Traditional IRA Roth IRA
Age
Must be under age 70 1/2
No age limit
Earned Income
Required to contribute
Required to contribute
Contribution Limits
Subject to change yearly by the IRS
Subject to change yearly by the IRS
Contributions
May be tax deductible
Not tax deductible
Earnings
Grow tax-deferred
Grow tax-free
Distributions
Required beginning the year you reach 70 1/2
Not required
Taxes
Must be paid on all distributions
After the first five years distributions are typically tax-free 

              
If you have any questions regarding IRAs or if you are interested in opening one, please contact a Financial Services Representative at your nearest Accentra branch.

 

To open a new IRA account click on the button below that applies to you to complete the application. 

If you're already an Accentra member but you're not currently enrolled in online banking, please contact us. 
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