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- Traditional IRA
- Coverdell ESA
- Roth IRA
- IRA Center

- VISA Check Card
- ATM Card
- Direct Deposit

Coverdell ESA
If you are wondering how you will pay for your child's education, a Coverdell Education Savings Account (ESA) can be a smart way to save. Your withdrawals are tax-free if used for tuition, books, and other qualified higher-education expenses. Be sure to also view our helpful IRA Faq below.

NOTE: NCUA has now increased retirement account coverage to $250,000;
standard share account coverage remains $100,000

With a Coverdell ESA:

• Unlike state 529 plans, Coverdell ESAs can be used to pay for qualified elementary and secondary education expenses.
• Earnings grow tax-free if distributions are used for qualified education expenses.
• No deposit required to open.

New IRA Center! Through the IRA Center you can open your Individual Retirement Account (IRA), manage it, and connect with IRA Specialists. IRA Center has educational articles on IRAs and retirement planning, planning tools, risk analyzers, investment options and the forms you need to complete your transactions. More >>

College Savings Calculator

• How much will college cost?

Learn more about ESAs

• How much does college cost?
• How do you start your planning?
• What are the tax-favored ways to save?
• What college tax credits and deductions are available?
• What are some ways to pay for college?

What type of IRA are you eligible for? 

• General eligibility rules
• Roth IRA eligibility rules
• Traditional IRAs - when contributions are tax-deductible
• Traditional IRAs - when contributions are nondeductible

Which IRA is right for you? 

• If you qualify for all types of IRAs
• If you qualify for a Roth IRA
• If you don’t qualify for a Roth IRA
• If you have an employer retirement plan

How much can you contribute to an IRA? 

• General contribution rules
• When you can make contributions

How do you set up an IRA? 

• General account rules
• Investment consideration

If you have any further questions about any of our IRA's, please do not hesitate to contact Tina Moore at (757) 877-2444 ext. 3091 or by E-Mail.