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Retirement

Partner with us.
Plan ahead.

The future looks good, especially when you prepare for it.

With an Individual Retirement Account (IRA) or Coverdell Education Savings account, you can choose the future of your dreams.

  • No annual, closing, or setup fees
  • $5 minimum opening deposit
  • Competitive dividends
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Products

couple speaking to lender

Traditional IRA

If you’re looking for potential tax relief now, this is the IRA for you.

  • No minimum contribution required
  • No maximum income limits
  • Earnings are tax deferred
Dividend RateAPY*Min. deposit to open
0.25%0.25%$5
View Disclosures
senior filling out documents

Roth IRA

If you’re hoping to receive the most tax benefit when you retire, a Roth IRA is a good choice.

  • Contributions can continue while you have earned income
  • Contributions are not tax deductible
  • No penalties for withdrawing principal contributions at any time
Dividend RateAPY*Min. deposit to open
0.25%0.25%$5
View Disclosures

parents standing with college graduate

Coverdell Education Savings (ESA)

If you’re looking to save money for educational expenses, start here.

  • Tax-free dividends and withdrawals**
  • Account can be transferred to another child penalty free
  • Income limits apply
Dividend RateAPY*Min. deposit to open
1.50%1.51%$5
View Disclosures
 The Fine Print

Traditional/Roth IRAs:

*APY = Annual Percentage Yield 

Rates accurate as of the last dividend declaration date. Fees may reduce earnings. Rates subject to change at any time after account opening.

Coverdell Education Savings (ESA):

*APY = Annual Percentage Yield 

Rates accurate as of the last dividend declaration date. Fees may reduce earnings. Rates subject to change at any time after account opening.

**Tax free dividends and withdrawals when used for qualified educational expenses (more detail provided at account opening).

 

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Check out our ADDvantage Savings account and Certificates for an easy way to build your savings at the same time!

Opening a savings account establishes membership with Inspirus Credit Union and must be maintained to remain an active member.

Three ways you can apply