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Traditional IRA

An IRA is a great way to kick start your retirement savings while you're young!

It may seem like a million years away, but you're going to want to retire one day. "How?" you ask. We suggest an IRA ASAP! Start building retirement savings now to help create the wealth and freedom to leave the workforce when you're ready.

Traditional IRA Benefits

The benefit of a Traditional IRA is that this year's contributions are tax deductible. Taxes come due in retirement when you take distributions, or make withdrawals, from your IRA.

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Retirement Central

Open or manage your account, access planning tools, calculators and more with Retirement Central.

 Retirement CentraL  

Roth IRA

The Benefits of a Roth IRA

A Roth IRA operates in reverse of a Traditional IRA: You pay taxes up front, meaning your contributions are not deductible. The benefit of a Roth IRA is that your withdrawals in retirement are not taxed.

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Retirement Central

Open or manage your account, access planning tools, calculators and more with Retirement Central.

 Retirement CentraL  

 

IRA Certificates of Deposit

IRA Certificates of Deposit

Traditional and Roth IRAs are available from 12-month to 5-year terms with competitive interest rates and a $500 minimum with no annual maintenance fees. Payroll deduction to a savings account is available.

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Retirement Central

Open or manage your account, access planning tools, calculators and more with Retirement Central.

 Retirement CentraL  

 

IRAs Are Perfect for:

  • The self employed
  • Those without a 401K plan through their employer
  • The fortunate few who will max out their allowable annual 401K contribution. 
  • Anyone who plans to retire!

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NCUA logoSee your tax advisor for guidance. West Community Credit Union does not provide tax advice. 

The money you place in your Credit Union savings account is federally insured up to $250,000 by the National Credit Union Administration (NCUA), the strongest government insurance fund in the country. West Community provides an additional minimum coverage of $750,000 provided  by Excess Share Insurance Corporation, a licensed insurance company. 

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