- Share Account
- Club Accounts
- Money Market
- Junior Advantage
- Share Certificate
- Safe Deposit Boxes

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

- VISA Check Card
- ATM Card
- Direct Deposit

Roth IRA
The Roth IRA offers unique and exciting savings opportunities. It can help with retirement needs, a first-time home purchase or other financial goals. This flexibility makes the Roth IRA appealing to all age groups. It will also give you an easy and safe way to plan for your future. 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 Roth IRA:

• Contributions are allowed at any age
• Qualified distributions are tax-free
• Flexible withdrawal options are available
• The amount you can contribute is increasing
• 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 >>

IRA Calculators

• Am I eligible for an IRA?
• Which IRA is best for me?
• Should I convert to a Roth IRA?
• How do I calculate required distributions?
• How do I estimate before age 59 ½ equal payments?
• How much will I have in my IRA when I retire?

Learn more about Roth IRAs

• Are you eligible for a Roth IRA?
• What are the tax advantages?
• What are the early withdrawal rules?
• Are Roth IRAs right for young adults?
• Are you eligible to convert to a Roth IRA?
• Should you convert to a Roth IRA?

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 considerations

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.