Start your own investment account or rollover your existing retirement funds into a United Cities Credit Union Individual Retirement Account. Contact our Member Service Department for details.
- No Setup Fees
- No monthly or annual maintenance fees
- Annual Contribution limits apply
- Addition $1000.00 “catch-up” contribution allowed for ages 50+
- No Income limit to open
- No minimum contribution requirement
- Contributions are tax deductible on state and federal income tax*
- Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
- Withdrawals can begin at age 59 ½
- Early withdrawals subject to penalty *
- Mandatory withdrawals at age 70½
*Consult your tax advisor
*Certain exceptions apply, such as healthcare, purchasing first home, etc…
Account | Rate | APY | Terms |
IRA | 0.15% | 0.15% | No minimum balance |
