IRAs

Traditional IRA*

This savings account has all the benefits of the regular IRA (Individual Retirement Account). Plan for your retirement today with earnings higher than a regular savings account. Our IRA program offers tax savings,* tax deferral,* and access to your funds, if needed. The length of term is not fixed, which provides you greater financial flexibility. There are no monthly or annual fees. Standard IRA rules apply.

Roth IRA*

There’s no time like now to open your Roth IRA. This IRA is nondeductible for tax purposes, but earnings accumulate tax-free. Distributions from a Roth IRA held for at least five years are tax-free if used for a qualified purpose. Qualified distributions include: a first home purchase (up to $10,000), higher education, reaching the age of 59 1/2, and death or disability. Roth IRAs are available as share savings accounts and are insured separately from your other accounts up to $250,000 by the NCUA. Now you have more choices than ever when it comes to saving for the future. Take advantage of your options and open a Roth IRA today!

Interested in IRAs?

Let’s get started! Just call 515-334-8100 or fill out the form below and we’ll get right back to you.

* CCCU does not provide tax or legal advice. Please consult your tax advisor to determine how this would apply to your situation.