Traditional and Roth IRA Certificates are available to U S Federal Credit Union members. All IRA accounts at U S FCU require a minimum balance of $100.
What is an IRA?
IRA stands for individual retirement account. These accounts are created to allow you to save money for retirement with tax-free growth or on a tax-deferred basis.
What IRAs are offered at U S FCU?
Traditional IRA – Contributions to this account are tax deductible. Withdrawals are taxed at the ordinary income tax rate when funds are taken from the account during retirement.
Roth IRA – A special retirement account where you pay taxes on money going into your account, and then all future withdrawals are tax-free
Rollover IRA – An account that allows for the transfer of assets from an old employer-sponsored retirement account to a Traditional IRA.
IRA Information
IRA Share Certificate
| Term | APY* |
|---|---|
| 6 Month | 4.25% |
| 1 Year | 3.75% |
| 2 Years | 2.00% |
| 3 Years | 2.25% |
| 4 Years | 2.50% |
| 5 Years | 2.50% |
* Annual Percentage Yield. Minimum $100.00. Rates subject to change.
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