save for your retirement

Looking for an easy and secure way to save for retirement? Traditional and Roth IRAs are available.

  • Can be opened with as little as $5.00
  • Payroll deduction is available to all types of accounts and will build your nest egg quickly
  • Members can open either an IRA savings account or an IRA Certificate of Deposit or both
  • No annual administration fees
  • Tiered interest accounts
  • Funds on deposit in your Individual Retirement Account are separately insured up to $250,000.00 by NCUSIF (National Credit Union Share Insurance Fund)
  • For information about Early Withdrawal Penalties on a Certificate Account, please review our Account Agreement and Conditions

Traditional IRAs

  • A good choice if you wish to save on your taxes now and defer those taxes to when you retire
  • Contributions may be tax-deductible
  • Eligible for the State of Florida Deferred Retirement Option Program (DROP)
  • Based on the SECURE Act, there is now no age limit for contributions, as long as the individual has earned income
  • Can begin taking distributions without a penalty at age 59 ½
  • Please check with your tax adviser for deductibility and deferment options

Roth IRAs

  • Designed for those members who want flexibility in their distributions
  • Tax free growth
  • Contributions are always withdrawn tax-free and earnings are tax free after a 5 year aging requirement
  • Income eligibility restrictions apply

open an account